| 03/10/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPARTMENT OF EDU XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 04/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX RE : ACCOUNT # XXXX re : XXXX XXXX To whom it may concern, It has come to my attention that over the last 43 months there have been no less than seven events complex enough to have severely deviated good faith payments made in as described by the terms of my original retail sales contract executed on XX/XX/XXXX in XXXX XXXX, ca at XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Contract # XXXX R.O.S. number : XXXX Stock # XXXX Below is a list of grievances that require resolution by GM : Breach of contract issue # 1- On the original contract, The truth in lending Annual Percentage Rate indicated as 17.95 % with a total amount financed of {$39000.00} for a term of 72 months @ {$890.00}.
A mathematical error in long form exists.
In fact interest rate reflected is inaccurate.
The amount financed is at a undisclosed rate of 18.24 %, this is in excess of the legal allowable deviation permissible which is .24 % of a percentage point., XXXX XXXX XXXX error is outside the permissible variance at .29 %.
The payment should be dollers lower than {$890.00}, check this to verify.
Gm Financial had a Duty to correct such errors upon approval of said loan but did not uncover or disclose such information, Gross negligence occurred in this event, resulting in financial Harm to myself has been caused with these non disclosed monetary charges that in accurately reflect by terms now require resolution.
It has only been my research which uncovered said errors, correspondence with XXXX XXXX. XXXX, has led to denial of said errors, ongoing communications and correspondence with GM Financial is just as deferential to my normal quirys, requests for summary statement history which to the date of this letter has gone unanswered. The adage you can fool some of the people all the times, but not all people at all times.
Breach of contract issue # 2- Anticipatory negligence was utilized by GM Financial through solicitation of Deferment services, I was approached by GM Financial with an offering of deferment- my contention is that apparently the binding terms that were authorized vs additional terms binding terms outside the deferment agreement terms expressed in writing were imposed without written disclosure, therefore we can demonstrate that the additional fees withheld, and have not disclosed in writing as such even at the time of this letter, therefore have not be authorized with my signature on said additional fees and not binding to said original sales contract also in breach.
It can also be shown GM financial upon reviewing the signed sales contract, noticing my signature with the mathematical errors present at the outset of the loan acceptance may have provided impetus for anticipatory negligence based actions to the further abuse of additional mathematical errors, singularity toward the benefit of gaining additional fees outside the binding terms of the approved contract, in other words it may be a premeditated decision which demonstrates multiple breach of contract issues developed over time, which illustrates the actual conspired nature of the deceit.
By far GM Financials discreet illegality by collecting interest immediately after deferment for only the interest of the deferment period preceding does not abide to terms of Deferment as defined and authorized by my own signature.
GM Financial offered no accounting for such full payment interest only payment which accounts for six ( 6 ) payments in total of 36 payments made to date.
In other words these instances which occurred undermine the credibility of the entire GM financial Corporation with regard to consumer abuse is veiled in the mask of the subject of Deferment. GM financial has overstepped its legal right to make binding changes to the retail contract without written authorization.This is a breach # 2 of contract.
We have a mutual understanding that GM financial has not before, during or after the approved terms of deferment provided even the most basic disclosure with regard to the ongoing business practices GM engages in on an ongoing basis.
What binding changes I acknowledged and agreed in writing with regard to defernment are quite clear, to enable the terms of the loan to be extended by a new maturity date equitably balanced with the time of deferment approved. This stands at 6 months. As stated, the defernment does not stop interest from accruing. In Fact, it can be shown that GM Financial is entitled to more interest than that the original terms of the loan described by the new maturity date extension of 6 months. This represents a ( # 2 ) second form of interest that as described in the authorized deferment agreement and as stated are not dueat the end of the loan on the final payment, which is agreed and authorized.
This is the line of where GM Financial ability ends to collect on interest for these periods of deferment 3 instances of 2 months each, the first was XX/XX/XXXX and XX/XX/XXXX, the second was XX/XX/XXXXand XX/XX/XXXX, and the third was XX/XX/XXXX and XX/XX/XXXX, these ( 6 ) six months as mentioned are all deferred periods. This is where GM financial decided to actually take without permission 6 payments for themselves which account for a triple ( # 3 ) interest billing to me illegally inflicting damages Ii now seek to remedy, this had the additional consequence of extending my payoff terms from 36 to 49 months remaining, this does not make any sense whatsoever, its an hidden revenue generating scheme worthy further discussion.
Breach of contract issued # 3 Misrepresentation of funds requested for payment of late fees misapplied once received as agreed.
On no less than two occasions totals of several months of late payments were required to be made by myself in order to be approved for payoff of collection department with 2 normal payments not made when due, one in connection with deferment # 2 a {$290.00} late fee was requested as a condition of approval for deferment, GM financials the collection department found it necessary to ask for even more money at a point they were aware i was under financial duress. As if this was not self explanatory or transparent enough for any objective viewpoint, its gesture of financial insult were not enough even when paid as requested GM financial managed to pull another untrustworthy scheme for good measure, because the next move GM financial used with said late fees further aggravated and compromised said requests resulting in a third instance of breach our agreement occurred with regard to collecting on account fees misrepresentations, when once said fees were received they were misappropriated toward ongoing a partial payments- So in fact GM Financial by its own doing, mislead the consumer with regard to what fee were requested to be applied toward another intent and use breaches our contract as well. By doing this GM financial kept the consumer in the dark about the less than full payment due once the misappropriation happened. Albeit GM financial delayed the consumer notification of its own error for at least 30 days on two different occasions which was only first evidenced by consumer subsequently when invoices for new payment was received the following month. This is policy as described by many a customer service representative. GM financial 's intent to further confuse is evident from circumstances which led which to these misappropriations. This resulted in both an attempt to compound further issues with clear intent in antagonizing the consumer, myself. Attempts to correspond to get resolution which effects 6 to 7 months of payments/ interest need to be credited back toward my account, thus far my earnest attempts were met unsuccessfully, Moreover, actual monetary damages sought with regard to these instances of breach now require resolution.
Breach of contract issue # 4- Additional unauthorized terms of Deferment- additional terms imposed without written disclosure, or written authorization and is therefore are not binding.
It turns out after several months of calling GM financial everyday- that the accumulation of my unexplained charges which account to at least, ~ $ 3,000-up to possible ~ {$5200.00} in additional fees that are not being disclosed what so ever and active avoidance of providing accounting of my payment history is being withheld, due to being requested, this dynamic can be described as a charging a new THIRD type of accruing interest not only during the time of deferment itself, but charging of that interest to the consumer directly after the deferment period ends undisclosed, given my 36 payments made, GM financial only would only acknowledge I had made 30 payments, when I stated that having signed the contract 42 months ago ( at that time ) and given I had been previously been approved for six months of deferment. This actual time of 36 months of payments made Breach of Contract issue # 5- No oral changes are binding Changes were made affecting my contract binding the terms breaching my agreement altogether.
Breach of contract issue # 6- No disclosure before, during, or after for monthly charges going 100 % toward interest while not fully paying for undisclosed interest but line item disclosure for ongoing additional unpaid interest, NO carry-over unpaid remaining amount appeared on subsequent billing invoices as a line item say like for instance {$29.00} unpaid interest from XX/XX/XXXX, XX/XX/XXXX full payment listed= total due. Subsequently when reviewing the payments it appears, that at least 6 payments were affected, undisclosed, and to this date undocumented in printed requested payment history on or around ( # 1 ) XX/XX/XXXX, ( # 2 ) XX/XX/XXXX, ( # 3 ) XX/XX/XXXX, ( # 4 ) XX/XX/XXXX, ( # 5 ) XXXX when i received my new statement, but still no payment history as promised, said sequestered payments from my principal payment schedule per a normal amortization schedule.
Breach of contract issued # 7- Monthly statements which suddenly changed my 36 payments remaining to 49 payments remaining???, Considering deferment for 6 months only, my scheduled cost is actually reading as 13 additional months, this13 months in error, or your suggesting the binding changes that I did not sign, are {$11000.00} in addition to my original sales contract.GM FINANCIAL on its own accord embezzled Additional costs, No such agreement was made, its pure fabrication.
At his time, We demand that due to the Breached agreement and subsequent breaches the full loan be paid off in full by GM Financial as the result of the compound abusive regarding said breach ( s ) of contract issues to date and GM financial 's gross and anticipatory negligence. After exhausting efforts to talk with every available customer service agent for over two months, including but not limited to the collection department supervisors, senior supervisors, to resolve this matter I finally was able to talk with XXXX XXXX who advised me to put my griences in writing to the attorneys after reviewing the contract documents in question.
Since this contract is still within the first 48 months, We have made payment equalling 36 installments= {$32000.00} We demand full payoff by GM financial of {$39000.00} at this time While simultaneously crediting {$6800.00} is our demand for the damages occured as the result of the breach ( s ). Thereby full ownership of said vehicle is assumed by XXXX XXXX XXXX and GM financial will release said title, unfettered within 30 days along with notarized settlement offer of acceptance on GM Financial letterhead to avoid further litigation on this matter.
GM financial has collected 82.4 % of the financed amount and has lost very little in this settlement offer.
We have filed paperwork with, the DMV, CFPB, XXXX and will additionally be filing a case with County of XXXX XXXX, the jurisdiction in which the sale was approved in 30 days from todays date for Fraud, Gross Negligence, & Breach of contract within 48 months of execution.
Unless we can come to a mutual settlement agreement at this time.
Reach out to me to discuss said matter at XXXX XXXX.
Cordially, XXXX XXXX XXXX
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| 04/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I, XXXX XXXX went to XXXX XXXX for a credit transaction on XX/XX/XXXX. Unfortunately, the transaction was not processed according to the Truth in Lending act and contains several violations and inaccuracies which make this contract void upon my request.
Please see the attached sworn affidavit that states the violations that make this contract void. the TN state Attorney General also received a copy as witness.
GM FINANCIAL Attn : Legal Deptartment XXXX XXXX XXXX.
XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX STATE OF TENNESSEE, OFFICE OF THE ATTORNEY GENERAL XXXX XXXX XXXX XXXX, TN XXXX Affidavit of Truth My name is XXXX XXXX XXXX XXXX XXXX the natural person, consumer and Executor for the account ( as defined by 12 CFR 1002.2 ), for the federally protected person and Card issuer, XXXX XXXX XXXX XXXX XXXX On or around XX/XX/XXXX, I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, to acquire a vehicle using Consumer Credit.
1. The Consumer credit transaction was not processed in accordance with the Truth In Lending Act, and was misrepresented as a loan.
2. During the transaction I spoke with the Finance manager XXXX who refused to add the insurance to the Finance Charge pursuant to 15 USC 1605b. but still required proof of insurance before I could leave.
3. According to the Truth in Lending Act 15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) INFORMED USE OF CREDIT The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Definitions : Credit - means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Creditor - refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors.
Credit card - means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Cardholder- means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person.
Finance Charge- ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
4. Based on these definitions listed above, under the Truth in Lending Act, upon reviewing the contract, parts of the contract were misrepresented, by furnishing deceptive forms.
5. GM FINANCIAL is misrepresenting this contract as a loan. Under the Truth in Lending Act the word loan is not defined. The Truth in Lending Act describes the definition open end credit plan and open end consumer credit plan as a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 15 USC 1602 ( j ) 6. If, GM FINANCIAL states that they indeed loaned funds from their account into my account for the purchase of THE XXXX XXXX XXXX, then, GM FINANCIAL, will provide the XXXX from the Financial Accounting Standards Board. Which will provide entries that show the creation of thus said loan.
XXXX. If this can not be provided within 15 business days then, GM FINANCIAL, agrees to release the lien and to provide a clear title in my name. The clean title can be mailed to the address listed below, no later than XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TN XXXX XXXX. An officer of GM FINANCIAL will sign below under plenty or perjury. Under a sworn statement that the funds to complete my consumer transaction was loaned ; and/or received from, GM FINANCIALs account to my consumer account for the completion of a XXXX XXXX XXXX XXXX.
XXXX. IF this title is not received then, GM Financial, agrees to assume the liability of two times the Finance charged associated with this credit transaction, Pursuant to 15 U.S. Code 1635, and three times the finance charge for the False Claims Act ( FCA ), 31 U.S.C. 3729 3733.
_________________________ XXXX XXXX XXXX XXXX _________________________ GM FINANCIAL I submitted this information to GM FINANCIAL via USPS # XXXX.
There failure to respond is a tacit acquiescence, and stands as fact that GM FINANCIAL never provided any " loan '' in US dollars from them as consideration for their end of the contract.
As a Consumer I have been willfully deceived by GM FINANCIAL 's Unfair abusive and deceptive practices. GM Financial is also Reporting late payments on my consumer report which is inaccurate, because they have provided no proof of a loan and have silently agreed to pay the damages listed below.
CLAIMS Of DAMAGES 1. Inaccurate disclosure of the Total Amount Financed. TILA violation of the Required Disclosure by Creditor { 15 USC 1638 ( a ) ( 2 ) ( B ) ( iii ) Gibson v. Bob Watson Chevrolet-Geo , Inc., 112 F.3d 283, 285 ( 7th Cir.1997 ) ( citing 12 C.F.R. pt. 226, Supp. I 18 ( c ) ; 15 USC1601 ) } 2.TILA Violation for Failure to provide the general disclose requirements of terminology pursuant to { 12 CFR 226.5 ( a ) ( 2 ) ( i ) ; 15 USC 1601 ) } 3. Violation of Unfair and Deceptive Practices Act. { Sec. 5 FTC Act, FDIC 6000 Consumer Protection, and 15 USC 45 } 4. Violation of Tennessee Unfair Trade and Consumer Protection. { Tennessee Code 47-18-104 } _____________________________________________________________________________________ Claim of Relief Plaintiff seeks total claim of relief in the amount of {$350000.00} as tabulated : 1. {$110000.00} { {$59000.00} X 2 } twice the amount of any Finance Charge { 15 USC 1640 ( a ) ( 1 ) ; Carrie Mars, Appellant, v. Spartanburg Chrysler Plymouth , Inc. and First National Bank of South Carolina, Appellees, 713 F.2d 65 ( 4th Cir. 1983 ) ; Carney v. Worthmore Furniture , Inc., 561 F.2d 1100, 1103 ( 4th Cir.1977 ) ; Turner v. Firestone Tire & Rubber Co. , 537 F.2d 1296 ( 5th Cir. 1976 ) } 2. {$59000.00} Refund of down payment or liquidated unpaid balance owed to Creditor. { FTC ; 6000 Consumer Protection, FDIC Law, Regulations, Related Acts } 3. {$170000.00} { {$59000.00} X 3 } Injunctive relief, damages for injured customers ; revocation of violator 's license ; willful violators fined up to {$1000.00} ( 47-18-106, 108 ) ; possibly treble damages for willful violator ( 47-18-109 ) ; Class B misdemeanor ( 47-18-104, 39-14-127 )
|
| 08/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
Before I begin, I will note that I am uploading 10 pages of materials to support my complaint. I tried to add page numbers to these pages, but they aren't showing through on the scan. What I have uploaded is : 1 ) Lease document ( pages 1-5 ) 2 ) Vehicle return and odometer statement ( page 6 ) 3 ) Screenshot of my online account with GM Financial showing the lease is paid in full ( pages 7-8 ) 4 ) Screenshot of all payments made in XXXX and XXXX ( payments for XXXX and XXXX do not show up on the website ) ( pages 9-10 ) This complaint is against GM Financial. On XX/XX/XXXX, I signed a three-year lease for a XXXX XXXX XXXX. I decided to turn the car in early on XX/XX/XXXX, and I carefully followed all protocols as outlined on the GM Financial website. First, before turning in the car, I had the car inspected by a XXXX deal in XXXX Minnesota, who stated it had no excess wear and tear. Further, I had purchased excess wear and tear insurance from GM Financial in the event that any small items were found later ( see page 2 where I agree to pay {$990.00} for EWU over the life of the lease ). I have photographs of the car which document lack of wear and tear in part because it was not driven very much ( see mileage report later ). Second, on XX/XX/XXXX, I paid the lease in full ( see payment of {$970.00} on page 9 ). GM Financial 's website has a feature I consider very problematic which allows it to keep taking payments from you even after you pay of the lease in full. So, my plan was to pay the lease in full and then stop auto-pay. However, after I paid the lease, the button to turn off auto-pay greyed out. And GM Financial took another payment from me on XX/XX/XXXX, which is not legal and not allowed for in the lease. I was only able to stop the payments by calling GM Financial, waiting for an hour on hold, and getting them to stop the payments manually. Third, I got a vehicle return receipt and odometer statement when I turned the vehicle in. I was allowed XXXX miles under the lease ( see page 8 ). The odometer reading as indicated on page 6 was XXXX, far below the XXXX miles allowed ( and the EWU insurance also covered excess miles, which turned out not to be a problem ).
After turning the vehicle in, I called the dealer to verify that they had submitted the vehicle return receipt to GM As specified at the top part of the vehicle return receipt. After getting no confirmation of this from GM Financial, I called the GM Financial Customer Service line and they indicated that they had received the vehicle receipt and would process the lease end in 30-60 days. At that time, I complained about the additional payment they had taken, and they indicated that it was their policy to hold these types of payments ( which they were not authorized to take ) and net them out against the disposition fee of {$390.00} ( see page 1, item 4A ). I have read the lease carefully, and this scenario is not described in the lease nor does the lease give GM Financial the ability to take extra payments after the lease is paid in full.
Before finishing the rest of my complaint, I want to take a sidebar here to explain what it is like to try to get resolution of an issue from GM Financial. I made several calls to GM Financial about the end of my lease between XX/XX/XXXX and XX/XX/XXXX. Those often involved hold times of 1-2 hours, and certainly never less than 30 minutes. It was not uncommon for agents to hang up on me as I was just beginning to state my name saying " hello, hello '' and then hanging up. This is after we had made a connection over the phone and they asked for my name. They just quickly said " hello, hello '' not even waiting for a reply and hung up. I have the name of the last agent who did this, upon request. Then, I would have to start the process all over and wait a second hour. GM indicates that they have Live Chat. I tried that. It promised an agent in 10 minutes or less, but an agent never appeared even after 30-40 minutes. They promised service through text, but I never received an answer. I finally found a complaint form on the GM Financial website ( which I attempted more than once and as late as today ), but it always said " System error. Try again later '' ( or something quite similar to that ) after I spent the time to fill it out. So, getting anyone to respond to you at GM Financial is very difficult and requires long hold times. And even if you connect, there is a risk of immediate disconnection with no effort invested to see if you are on the line.
After 30 days passed, I called GM Financial, and I asked when the lease would close, and they said 60 days. Then after 60 days, they said " we have up to 90 days to do it. '' I asked where that was in the lease, and they just said it was their " policy. '' After 90 days, I called again and asked when the lease would close and my money would be return. They were unable to give me an answer, so I asked to speak to a supervisor ( i have his first name and employee ID number upon request ).
I was on the phone with the supervisor for about an hour. During that time, he verified that the the lease had been paid in full, that there was no excess wear and tear, and no excess mileage. These, along with the disposition fee, are the only items necessary to close out the lease whether in an early termination scenario ( page 3 ) or in a regular termination scenario ( page 4 ). However, in between those things, he did several things that are unlawful at worst or extremely bad customer service practices at best : 1 ) He made multiple false and misleading statements, including a ) He insisted multiple times that they could not close the lease until the vehicle was sold at auction. He repeated several times that I had agreed to this when I signed the lease. I have reviewed the lease carefully, and that is not stated in the lease.
b ) When I asked him what the time frame was for auction, he said said that the vehicle was scheduled to be sold on XX/XX/XXXX but was now " on hold by marketing. '' I indicated that the vehicle had been recalled a second time since I turned it in ( there was one full recall and one customer adjustment while I had the vehicle ) and therefore was not saleable. He confirmed that it was recalled but then said I would have to wait while it was sold for the lease to close. I asked him when that would be and he had no time frame. He just stated again and again that was their policy and I had agreed to it.
c ) He indicated that it was the policy of GM Financial not to process early terminations until after the original lease date. I said that this was inconsistent with the lease because there are no penalties for early termination. He said it wasn't a penalty, just a " policy, '' However, since this is a financial transaction where time is of the essence, a significant time delay is a de facto an early termination penalty.
He made several other statements in this vein not all of which I can recall, but the above are probably the most significant.
2 ) He blamed me for the extra payment by indicating that I had made it on XX/XX/XXXX and that was " too close '' to the XX/XX/XXXX XXXX payment date and indicated it was their right to take the extra payment because I had not " turned off '' auto-pay. His statement that I made the payment on XX/XX/XXXX is false. As seen on page XXXX, the payment was processed by GM on XX/XX/XXXX. He then blamed me for not turning off auto-pay. I told him that I tried to but the functionality was unavailable. He then blamed me for paying off the lease " too close '' to the next payment date. When I asked how four days could be too close, he indicated that I needed to take the weekend into account. He continually reasserted the absolute right of GM Financial to take and hold the extra payment until such time as they decided to close the lease. I repeatedly asked him for a lease end date or a process by which one would be determined, and he refused to provide those.
3 ) He bullied me by implying that GM Financial could and would take action that would reduce my credit score. He pointed out that if GM Financial returned my money that I would still have to pay the {$390.00} disposition fee and that if I didn't pay it, they would report me to the credit bureau and my credit score would go down. I told him that I had never missed a payment for anything in my life and that was demonstrated by my perfect payment record with GM Financial. But, he continue to return to the credit score issue for a while.
Finally, after I had held my ground for at least 45 minutes, he said something like " well, I can see everything checks out, I always have to make sure. '' I have no idea what that means but then he became friendly and told me that he could understand why I was upset, he would feel the same way, and he had a special VP friend who would help him get this resolved for me the following day. He gave me his " direct line '' and employee ID. I already had his first name. I asked for his last name but he refused but gave his employee ID instead. He told me he would get the matter taken care of on XX/XX/XXXX and would call me with an update. He did not call me or otherwise make contact with me on XX/XX/XXXX. I called him in the morning and late afternoon today, got voice mail, and said I wanted an update as promised. He never called me back.
At this point, I can only conclude, based on their behavior, GM Financial intends to keep the money they illegally took from me indefinitely and that they have no intention of closing this lease in any kind of timely manner ( I was told by the supervisor that even if he used his special VP friend to close the lease, they would need 30 days to finish the process and get my payment to me ). I can not imagine why GM Financial is engaging in this behavior. But, I am certain that if I keep calling, they will lie to me, bully me, and threaten me. I have kept my obligations under the lease in a full and timely manner. I need GM Financial to do the same.
|
| 07/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
I am writing regarding my account with GM Financial. This account was opened XX/XX/XXXX. The account was for the lease of a XXXX XXXX XXXX which was returned in XX/XX/XXXX. Currently I have attempted to resolve the matter, but GM Financial maintains they want paid for a disposition fee. I maintain that money paid to them for XXXX taxes was misallocated, therefore I should have been on target to receive a refund for taxes paid ( prorated from XX/XX/XXXX, and the full months of XX/XX/XXXX to XX/XX/XXXX ). Also, I maintain that I, in good faith, tried to get information for any and all costs associated with ending this lease in order to limit my liability to only excess wear and tear and excess mileage. My intention with ending the lease was that the dealership to which I would buy/lease my next car would pay all final payments in full to GM Financial with the exception of the excess wear/tear/mileage if applicable.
Prior to searching for a car for lease/purchase I called GM Financial to get final numbers : buyout price or lease pay off, and any final costs that would be associated in order to close the account. I called ( approximate date XXXX XXXX ) and I used the online chat option to get this information. I also checked in multiple places in my account ( on their website, app, and paper statements ) and was unable to get this information from any of those options. I was told a buyout number and lease payoff during the call and the chat session. I was told that sometimes XXXX offers to forgive the remainder of the lease if I bought another XXXX product, and I received letters in XX/XX/XXXX stating as much ( early lease turn in ). I asked specifically and in multiple conversations via telephone and online chat if there were any other costs that might be associated/incurred with returning the vehicle. I was told no. I asked again if there would be anything else that would need paid other than a buyout or completion of the lease payments. Again, I was told no. I asked if there was anywhere on their website in my account information or statements to confirm what they were telling me, and I was told no, but was also told the information they were giving me was accurate.
In XXXX of XXXX I started the process of looking for financing and searching for my next XXXX car. I spoke to salespersons at three dealerships ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ) about an early lease turn in. XXXX XXXX is closest to me, and I test drove a car that I was interested in. When it came time to discuss purchasing the car I was told by the sales manager, XXXX, that I should take a smaller car. I told him and the salesperson, XXXX, that I was looking to purchase a larger car to accommodate my family ; that I needed something larger to accommodate a car seat and enough leg room for myself because I have a XXXX that affects my XXXX and XXXX, and with the current car, I was in pain from not having enough room due to the car seat. XXXX was abrupt in telling me he could not sell me the car I wished to purchase, that I should accept a smaller car, that I would have to roll over the remainder of my lease, and if I was unwilling to accept that there was nothing else he could do for me. He ended the discussion by walking away. In weeks following I was emailed by XXXX XXXX even after unsubscribing and called multiple times a week and sometimes multiple times a day even after requesting the calls cease. It took more than a month for the calls to stop, and representatives from XXXX XXXX only stopped when I threatened to file a complaint of harassment with the Attorney General and Federal Trade Commission. After that the calls were less frequent, but they did not cease entirely even with me blocking the numbers that were previously used. It was because of the interactions at XXXX XXXX that I decided to purchase from a different car company.
It was around that time that I paid the year XXXX taxes on the XXXX XXXX because I believed I would have the car until XX/XX/XXXX when the lease ended. Taxes are paid directly to the Leaser, as requested in a bill from GM Financial, by the Leasee which are then paid to the county tax assessor where the car is located. I sent the check through my banks online payment system including a memo for the check to be directed to the payment of taxes. The payment was made on XX/XX/XXXX for the amount of {$260.00}, the amount listed for the cost of XXXX taxes. I have obtained proof from my bank that this payment was made. On XX/XX/XXXX I purchased a car and returned my XXXX XXXX to XXXX XXXX, located at XXXX XXXX XXXX XXXX in XXXX, VA.
I received the final bill sometime around the end of XX/XX/XXXX or the beginning of XX/XX/XXXX. When I called to find out why I was receiving a bill, and especially one this high, I was told it was a disposition fee. I asked what a disposition fee was and was told that it was for disposal of the car. I knew the car had been sold from XXXX XXXX in XXXX because I watched for the listing and sale of the car. I asked why this had not been disclosed as part of the final pay out. They said that a final pay out came when they knew if there had been excess miles or excess wear and tear. I told them I had expected to pay that if that were found to be necessary, but that I had specifically asked if there were any hidden costs, anything that would need paid besides the last of the lease payments, and anything else other than a final bill for excess wear and tear or miles. I also told them I knew that excess wear and tear or excess mileage charges were possible, but with how I took care of the car it would not be probable. I told them everyone I had spoke with had told me no, that there were no hidden charges. The wear/tear and miles would be the only things I needed to worry about if I had a dealership willing to either buy the car or pay off the lease even if I went with a different company. I knew that I was under mileage for the car and that wear and tear would not be a problem because I always kept it clean.
I asked for the balance for pay off of the lease and for buyout of lease. I asked specifically for any and all costs, hidden or known, and was given an amount that was not accurate. The dealership from which I purchased my new car paid off my lease. The sales manager also called and asked for a full pay out. I was standing there as they were on speaker with the representative from GM Financial. The representative gave a number that was not a complete pay off. The disposition fee was not included in the final amount. The taxes I paid in XX/XX/XXXX had been applied towards the car payment and not the tax payment which gave the dealership willing to pay off my lease an inaccurate amount to pay to GM Financial. Had GM Financial applied the money correctly for the taxes and included the disposition fee they would have received full payment from XXXX for the balance of the lease, and I would have received a refund for XXXX through XX/XX/XXXX taxes as well as a refund for all of XXXX taxes paid.
Taxes paid for XXXX were returned to GM Financial for the months of XXXX and XXXX. I have email from XXXX XXXX XXXX stating a refund was given back to GM Financial for the car being returned. That refund was not applied to my account. The tax assessor also explained in the email that in order for the refund to begin on XX/XX/XXXX they would need to be contacted from GM Financial or have something to reflect that I no longer had the car on or after XX/XX/XXXX. Only then would a refund be given for XXXX tax payment, that it would be prorated, and that the refund would be sent to GM Financial.
I asked GM Financial in XXXX or XX/XX/XXXX to not report this to credit agencies until the dispute had been resolved, and I was told that it would still be reported to credit agencies as late/nonpayment. I said that in the few times I have had a dispute about a bill that the company had always agreed to hold reporting to any credit agency as long as the dispute was in process and resolution had yet to be found. The representative refused to hold reporting to the credit agencies. At this point by credit score dropped 80 points within two days. In looking at my credit report, GM Financial not only reported negatively to the credit agency once, but they reported negatively three times in two days ( XX/XX/XXXX and XXXX, XXXX ) for 30 days late. During the time I had the car in my possession I had not one late payment. Now in disputing these charges I receive 3 late/negative reports in a matter of two days.
I requested a statement from GM Financial in XXXX or XX/XX/XXXX, and I received it in XX/XX/XXXX. The statement reflected what I had told their representatives in previous discussions : I made a payment of {$260.00} to be applied to XXXX XXXX County Tax Assessment. It shows the payment was directed towards the monthly car note, not applied to the property tax as I had designated in writing on the check sent from my bank. This check was received XX/XX/XXXX.
As of XX/XX/XXXX I have notified GM Financial that I would be in contact with an outside official because I am disputing the final balance. I have spoken to multiple representatives from GM Financial both before and after returning the car on XX/XX/XXXX. I have asked for transcripts of these conversations from the online chat, chat in the app, and the monitoring of the phone conversations. I have not yet been provided with that information, and I was told on XX/XX/XXXX that I could not be provided that information.
Please note, if this is not the correct agency to seek relief, please let me know who to direct my request in order to resolve this issue. Thank you for your time.
|
| 12/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
My complaint is in regards to GMs refusal to trade me out of this dangerous leased vehicle which is financed with them. I went in to the dealership XXXX, in reference to the XXXX XXXX XXXX which I literally thought I was going to lose my life, for them to service the vehicle because the SUV accelerates at an astronomical speed and when this transpires the breaks fail ( vehicle will not stop ). The first time, I went through the drive- thru and when I lifted my foot, the car accelerated on its own at a massive speed and the breaks would not stop the car. I veered over out of the waiting lane to avoid from hitting the customers. Next, I was riding on a main road and the vehicle was again repetitive in accelerating at massive speed and again when this transpires the breaks do not stop the vehicle. I took the car in to the service department explained what transpired and was told that they could not locate the problem. Approximately a month or so, the car did the same thing. I was XXXX, heading to Sunday morning church service and there was a lot of slow driving as the highway was congested. The traffic started to flow a little better and upon moving the foot off the break, the vehicle accelerated immensely ( very powerful when it does this ). The breaks absolutely would not stop the vehicle. Blowing the horn continuously trying to alert the other cars of the speeding vehicle, pressing the breaks constantly, which of course did not stop the vehicle. Going on the outskirts of the highway, finally getting the vehicle to stop by pressing park and the vehicle kept going and finally coming to a stop. Smoke was coming from everywhere. I was terrified for my life as well as others on the road. I immediately contacted XXXX, explaining the frightening experience and that the car needed to be towed to XXXX. I gave them my location ( outskirts of XXXX XXXX, right off of XXXX ) and was told that a flatbed would be there in a hour to tow the vehicle. I then called a family friend to pick me up. Then called XXXX explaining to the receptionist what transpired and that I was having the vehicle towed to the service dept. I informed her I knew it was closed but the severity of the vehicle it needed to be towed to them immediately. The receptionist indicated that there is a drop off area in the service dept and the tow drivers also have a drop box for the keys. She then stated that the service dept. would contact me first thing in the morning which was Monday. Well, I waited a few hours and no one called and I contacted them and was told they had no idea where the car was located. I went through a few channels and finally was able to speak with XXXX. I explained to XXXX that I had the same issues again and how terrifying and life threatening this was. I informed him that I had to get a loaner car and needed them desperately to fix this issue. I had a friend to take me to the service dept., the following day and reiterated the issues with the vehicle and the seriousness of this issue as it is life threatening to XXXX again. XXXX was also informed to check the breaks, because of the stress that was placed on the breaks in to the process of trying to stop the vehicle should have been quite visible, this should show you that something drastic transpired. Now, Friday evening has come and late afternoon, almost XXXX XXXX, I had a gentleman by the name of XXXX XXXX, who contacted me in regards to the vehicle. He indicated that he was XXXX boss, the service dept manager and they have driven the car around the area and could not find a issue. He questioned me in regards to where I was going, how often it happens etc. He also asked could he drive the car home. Well, XXXX XXXX calls me on Monday and said that the car was ready, and I could come and get the car. He then asked did I need a ride and I informed him I had a loaner. He then indicates that he could not get the car to duplicate what I informed him had transpired, my heart sunk. He indicated, that he checked the wires to be sure a rodent or a rat did not gnaw on the wires. I said a rodent or rat! He indicated, that it was a possibility that I accidently set the cruise control. I do not use cruise control and I informed him, when you set cruise control and you press the breaks the car is supposed to slow down or stop. I also informed him, I am sure that your technology which can determine if cruise control was set and can support the fact that cruise control has never been used on the vehicle. XXXX asked prior to speaking to XXXX, that the mechanic wanted to know if the SUV is driven with both feet and perhaps the gas pedal was confused for the break and the gas was pressed. The vehicle isnt driven with both feet. The gas was not accidently pressed instead of the breaks. The gas was not being pressed and the car accelerated on its own. I am baffled as to what they are not comprehending. Then, XXXX indicated that it was probably the floor mat. That is insane, the floor mat which was purchased from a GM store ( XXXX mat ) is nowhere near the gas or break. The mat did not jump up on the break or gas, the mat was not intertwined in any capacity. Then XXXX says he asked numerous customers and they have never had this issue. I indicated I have taught exceeding 45 years as an elementary school teacher. I am fully aware of what the car is doing. This is not a figment of my imagination. I have had several new XXXX, never brought the vehicles for anything more than general maintenance and there was a defect with the last SRX in regards to the XXXX XXXX XXXX Screen Display and they change it. I have only had praise for the vehicles and have patronize XXXX because not only liking the vehicle immensely, most of all I felt safe but that is no longer the case in this vehicle. Well, XXXX moved the drivers mat and the following day the car did the same thing. I called and left XXXX XXXX a message and he has not called me back to this day. I contacted GM financial who I pay the car note to, notifying them hat is going on with the suv and was advised that I should take the car to another dealership because it was a lease and have them trade me out of the vehicle. I submitted a survey and ended up speaking with XXXX. I explained to XXXX what happened and told her that I am scared literally for my life as well as others and need to trade out of this vehicle, its not safe. She indicated to me that I have to speak to another department and a case manager would contact me. A few days later I was called by a case manager her phone number is XXXX ext. XXXX, the service request number is XXXX. I explained to her the situation and she informed me that she had a situation to happen to her when she was younger, her car accelerated and her father a mechanic advised her to put it in neutral and she suggested if the car does it again, for me to do that and called them to tow it to XXXX. I informed her, that I did not want to risk my life again and would like to trade out of the vehicle and she said that she did not believe they would do it. I said again, that is my desire. I informed her, if she can look at my payment records, I have never paid my car note late and I said if you view my records with the previous XXXX I have not had any issues, just had the vehicles in for general maintenance and the issue with the XXXX XXXX with the last XXXX. I explained to her all the excuses I was given, and she said that XXXX XXXX also told them about the mat, but I found it strange that XXXX XXXX did not inform them that after the mat was removed by them, that I called him again in regards to the SUV doing the same life threatening issues. He also did not inform them that he did not call me back. Well about several days later, the case manager called me back, unfortunately I missed her called and called her back within 5 mins and could not reach her. Left several messages ( emails ) and for some reason was not called back but finally called her and reached her. She then told me that they spoke to XXXX who indicated nothing was wrong and it was the mat and they were refusing to buy the car back. So, in saying that, I am supposed to keep riding in an extremely unsafe vehicle and continue to pay my car note flawlessly ; though this vehicle is most certainly a DANGER and could easily be my life or someone elses the next time this transpires. Well, as I stated, this is absolutely not a figment of my imagination and they are grasping for excuses and poor excuses at that. I have had several new XXXX, so I am more than qualified and capable of driving the vehicle properly. I possess more than enough experience driving these vehicles and I am more than capable of knowing when there is something most certainly defective about a vehicle. I am certainly terrified to be in this vehicle and can not believe that my safety means nothing to this organization, and I have previously spoken so highly of XXXX and recommended and can only pray that those who purchased do not experience this horrendous event to transpire with their vehicles. This company should have traded me out and into another new vehicle, but surprisingly prefer for me to remain in the vehicle jeopardizing my life. I ask the case manager to email me a copy of the letter in which the company refused to take me out of the vehicle, she indicated she was immediately, but she did not. Contacted her, no response. Therefore, I was not able to attach the response from the organization ( XXXX ) with the complaint outcome ( denial ) but attached the comments from the service department from XXXX.
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| 12/11/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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My father had a car lease through GM Financial Leasing. On XX/XX/XXXX, my father passed away. He lived in the state of Florida which is where the car was also located. I lived in XXXX, PA at the time and my sister ( and only other family member ) lived in XXXX, TN. At the time of my father 's death, we were in the state of Florida but left shortly afterwards ( about 1 week ), locking up his home ( and the car which was located in the garage ). Prior to leaving, I did pay any of my father 's monthly XXXX bills including his GM Lease payment for XX/XX/XXXX in the amount of {$380.00} ( paid out of his account ). Towards the end of XXXX/beginning of XXXX, I contacted an estate lawyer in Florida to discuss settling an estate/costs, etc. It was recommended during that call, that I stop paying all of my fathers incoming bills, with the exceptions of the one that needed to keep his house running ( i.e. electric, water, etc ) and he advised me to contact all his creditors to report his death. I had not formally retained the lawyer at this point. Over the next several months, while struggling with XXXX, I contacted all the creditors my father had to notify them of his death and provide a copy of the death certificate when required. I notified GM Financial of his passing on XX/XX/XXXX and that I was named the executor of his estate. I spoke to a man named XXXX who informed me that I needed to fax over his death certificate which I did the next day ( it was later confirmed in one of many phone calls with GM Financial that they had received the faxed copy of the death certificate ). During this call, XXXX informed me that I needed to get down to Florida immediately to return the car to a XXXX dealership or they would attempt to repo the car. I explained to XXXX that I lived in XXXX and worked full time job and could not just hop down to Florida to do this. I also noted that I was interested in buying out the lease on the car ( which was up in XX/XX/XXXX ) but XXXX informed me that I did not have the right to do this. He was rude and pushy during this car and made comments such as I was going to run away with the car, they had to make sure I did not do that and that they would find and pursue other family members about getting the car. Again, I reiterated that, I could not just get down to Florida to return the car and his reply was that all he could do was notate the account but could not promise that repo action would not occur. I noted to XXXX that I would try to get down to Florida in about a months time to return the car. Following that phone call, I began to receive almost daily calls from GM Financial trying to collect a debt. It was always a different person that I spoke to and I always had to repeat that this was not my account, that my father was deceased and that I was not living in the same state that the car was in ( etc ). I eas continually, told the account would be notated of this information yet everytime they called it seemed as though this was new information to them. On XX/XX/XXXX, I got a text message ( and multiple phone messages ) from a man named XXXX ( repo guy ) wanting to come pick up the car ( phone number XXXX ). At this point, I was not aware I had the option to buy out the lease from the car and explained to XXXX that I did not live in the area but was trying to come down the week of XX/XX/XXXX to return the car. On XX/XX/XXXX, a woman named XXXX called me from GM Financial. I once again explained the situation to her at which point she told me that I could buy out the lease but until I had the paperwork from the court showing that I was the executor of the estate they could not provide me with any information about the payoff amount ( which I would have immediately secured financing for ). I explained to XXXX that I was tired of repeating myself to GM Financial and I no longer wanted to calls from multiple people and would like to have one contact at GM Financial to work through this with. At that point she told me her system went down and she would call me back ( this was around XXXX ). I never received a call back from Brie and assumed at that point that GM would wait for the court paperwork so that I could buy out the lease. Also, during the month of XXXX, I formally retained and entered into an agreement with the estate lawyer I spoke to in XXXX. On XX/XX/XXXX, I received another text message/multiple phone calls from a different repo guy ( phone number : XXXX ) asking if the car was ready to be picked up. I responded via text that I already discussed this with GM Financial that I planned to buy out the lease on the car. On XX/XX/XXXX I received a call from a woman named XXXX XXXX at GM Financial. Once again, I had to repeat everything and told her I wanted one contact there to deal with, my intention to buyout the lease and that I had retained an estate lawyer who would begin the process with the courts of getting me the paperwork showing that I was the appointed Personal Representative for my fathers estate. She agreed to be the point person and provided her email address so that we could communicate via email ( as I wanted everything documented in regards to my communication with the company ). Her email address provided was XXXX. She noted during that call that the lease was going to be charged off that evening and that I had to make a payment of {$380.00} ( + {$10.00} processing fee XXXX that day. She noted that if I did not do that and the lease charged off, then I could not buyout the lease on the car. So, I made the payment out of personal bank account. Not long after that call, I got another call from a woman named XXXX, checking on the status of the court paperwork. I explained that I did not have it yet and was moving to Florida ( into my fathers home where the car was stored ) at the end of XXXX ( at which point I would be going into the lawyers office to sign all the paperwork for the court filings ). She was very nice ( the nicest person I spoke to the whole time I dealt with GM ) but did note to me that the car was still out for repo. I explained to her that they would have a hard time getting access to the car as it was in the garage of a locked home within a gated community. She noted to me that she had seen a lot during time working in that department including repo guys breaking into homes to get access to cars. This comment added to my concern/anxiety/frustration about what lengths GM Financial would go to get the car despite my ongoing conversations with them about my plan for the lease. On XXXX, I began to receive emails and regular phone calls from a man at GM Financial named XXXX XXXX stating that my lease was in default. There were a series of emails that went back and forth with him, including an email to him from my lawyer ( they are all attached ) and an eventual phone call between my lawyer and XXXX ( which occurred on XX/XX/XXXX ). Despite, all this communication with GM Financial, I got another email from XXXX the morning following the call ( XX/XX/XXXX ) with my lawyer asking what my intention was with the car. Up until this point ( the day of XX/XX/XXXX ) my intention was and remained to buyout the lease on the car. However, when the call with my lawyer was not enough to stop GM Financial from contacting me ( at which point I still did not have the paperwork from the court naming me the personal representative and knew it would be several more weeks until I got it ), I made the decision ( out of fear that repo guys would be knocking on our door now that they knew we were living in the home and frustration over continually being harassed by them ) to give the car back at the point and no longer buy out the lease. On Friday XX/XX/XXXX, I emailed XXXX to notify him of this and requested that a phone number for a towing company be provided to me that I could call in order to schedule a time for the car to be picked up. My intention was to call the towing company on Monday XX/XX/XXXX to do that. However, at XXXX on Monday XX/XX/XXXX a repo man ( phone number XXXX ) was ringing our doorbell and wanted access to the car to repo it. At this point, I had not cleaned out the car and my husband denied him access to the car and stated that he could come back tomorrow to get the car. The repo man agreed to call the next morning to arrange a time to get the car, however at XXXX : XXXX he was ringing the doorbell again to get the car. At this point, I turned the car over ( he sent me a text acknowledging the pick up-screen shot attached ). I then got a letter on XX/XX/XXXX, in the mail from GM Financial in the mail ( dated XX/XX/XXXX ) noting that the estate had defaulted on the loan ( see attached ) along with confusing next steps. At this point, as stated earlier, I no longer wished to buyout the lease on the car and as advised by lawyer, planned on treating GM Financial as a creditor of the estate so I did not respond in anyway.
I am appalled at how I was treated by GM Financial. I felt pressured, stress and frustration over the constant phone calls, texts from repo men and comments made by GM Financial. I also was severely depressed after my father died ( to the point that I had to take leave from work under FMLA ) and dealing with this type of harassment made a difficult time even more difficult. I did not have any other issues with any of my fathers creditors and in fact had very opposite experiences in which companies were kind and followed the proper procedure that a company should when an estate is being settled.
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| 04/24/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Consumer Financial Protection Bureau Complaint RE : GM Financial Leasing I attest that the following is a truthful account of the dispute between myself and GM Financial Leasing.
My son and I co-leased a XXXX XXXX XXXX from GM Financial Leasing for a 2 year period of time. The vehicle lease was due to end in XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX even before the due date. At the time that the car was returned it was under the allowed mileage and in near pristine condition.
A few weeks after the vehicle was turned in to the local XXXX dealer I received a letter from GM Financial dated XX/XX/XXXX indicating that there was a balance due of {$600.00}!
Upon receiving the letter I immediately phoned GM Financial to discuss these charges. I spoke with a representative who explained that the {$390.00} Disposition Fee was in the contract. It should be noted that even if this is in the contract, GM has the discretion to waive this fee if a customer leases or buys another GM vehicle. It was my deisre and I did attempt to lease another GM vehicle before the end of the car lease but was unable to secure a deal that I could financially afford. The salesman at the car dealership would even verify that he worked hard to get me into another leased vehicle.
Having been a lifetime owner of numerous GM vehicles, having leased a GM vehicle just prior this this car, as well as my parents being loyal GM owners, and my uncle was a XXXX GM XXXX I found that my loyalty to GM should be taken into consideration and this discretionary policy of who does or doesn't have to pay a Disposition Fee to be an unfair practice. In addition, my payment history with GM Financial was exemplary.
During the same phone call I questioned the Excess Wear Charge in the amount of {$170.00} which also appeared on the bill, the representative directed me to a website to look at the pictures of the so called damage to the vehicle hub caps as determined by the person who inspected the car after it was turned in. The representative offered no assistance other than these we valid charges. I asked to speak with a supervisor and was told that there was no supervisor available.
After my initial phone call to GM Financial I visited the website to view the damage report and look at the pictures. There were scuffs on the hub caps which were determined by the inspector to be excessive but would be consistent with nothing more than the hub cap getting up against a curb. I would venture to guess that nearly 100 % of cars on the road have these kinds of scuffs yet this is what was deemed to be excessive to the tune of {$170.00}. There are no means to dispute or question the people that GM Financial hire to inspect the vehicles after a lease turn-in. I find these type of business practices to be highly questionable and deceptive.
Another call was placed to GM Financial a few days later. The charges were again disputed and again a representative indicated that the charges were legitimate. We requested that GM provide proof that the hub caps had been replaced for the {$170.00} charge. We were told that that was not possible. I have the right to request that I have proof of a product for which I am being charged. However, I am aware the reason this is not possible is because the hub caps were NOT replaced or repaired before it was sold or sent to auction, yet GM Financial believes they can levy these outrageous charges to line their pockets and customers have no recourse. Again during this call we requested to speak with a supervisor, who was not available. Was told that this would be sent for a review and they would respond. A return call was never received as was promised.
Having receiving NO contact from GM Financial Leasing for almost 6 months I assumed that they had decided to write the charges off.
The next contact I received was in early XX/XX/XXXX when I received an automated message asking me to call GM Financial Leasing.
Coincidently, on the same day I had received my credit score from the bank where I had applied for a refinance loan. Apparently GM Financial had reported me to the credit bureau in XX/XX/XXXX of having a delinquent loan.
On or around XX/XX/XXXX I again phoned GM Financial Leasing and spoke with another representative. At this point in time I am very upset that my credit as well as my son has been ruined and GM Financial had made no attempt to contact me by mail or phone for almost 6 months. She told me that there were numerous automated calls to me that were time stamped as proof that the they had attempted contact with me. I have no knowledge of these calls she referred to. All I can say is that if robo calls were being placed to my phone that they were either being blocked as I am on a no-call list or incoming calls displayed as spam that I do not answer. I told her that I would pay the Disposition Fee ( which I am still in disagreement with ) but that the Excess Wear Charge was still an issue and I continued to ask for proof that the hub caps had been replaced. I told the representative that I wanted this reviewed by a supervisor and wanted a phone call back.
On XX/XX/XXXX I received a voicemail from an actual person XXXX # XXXX after XXXX XXXX. I immediately attempted to return the call but the office had closed at XXXX. I was hopeful that this was finally a supervisor returning my call since this was the first time I received ANY contact at ANY time from a live person.
On XX/XX/XXXX I contacted the number that XXXX had left only to discover that it was not a supervisor who had contacted me but just another call room representative. Speaking with yet another representative who offered the same line that I had received from all my other contacts. I reiterated that I would pay the {$390.00} but would not pay the {$170.00} without proof that the hubcaps had been replaced. Her response was that they are are not required to repair or replace any damage. What?? This was the first time and first representative that had made such a statement! GM Financial wants to fleece customers by demanding payment for services or products they dont receive. After consulting with someone, the representative came back on the phone and offered to reduce the amount by {$50.00}. I told her that this was not an acceptable amount. She indicated that she would make a note of my refusal to accept the {$50.00} deduction. Clearly if there is discretion to reduce the charge by {$50.00} then they have the ability to waive the charge all together.
Placed another call to GM on XX/XX/XXXX by contacting a different phone number hoping that I could perhaps speak with someone other than in the call center.
Spoke with someone named XXXX. I explained my situation and dispute. He indicated that he was willing to send an email to have the damage charges reviewed but said that in the 4 years he had been working for GM Financial that he had never seen any reversal because they go by the report from the people who inspect the vehicles after lease turn-in.
When I complained that GM Financial had waited 6 months to pursue these charges, he blamed me and also said calls had been made to me to let me know that GM Financial did review and rejected my dispute. This is total fabrication. He also blamed me for being on the no-call list that blocks spam and robo calls. He told me as the previous representative had that GM Financial does not have to prove that they have replaced or repaired any damage. He further stated that these inflated charges and having no means of dispute are just the price of leasing a vehicle.
He also told me that GM Financial will not remove anything from the credit report. By the end of the phone call he was no longer willing to send an email to have this reviewed stating that it had already been reviewed, denied and that I had been informed of this back in XXXX ( another complete lie ).
GM Financial Leasing is intentionally gouging consumers who have no recourse against a big business, or recourse against the people they contract with to exaggerate damage during inspections and then refuse to provide proof of replacement.
I have found hundreds of similar complaints online against GM Financial Leasing and their unscrupulous practices, so I know that I am certainly not alone in my frustrations. Apparently they believe that their customer base is expendable as people vow to no longer purchase another GM product.
This experience has been the worse customer service I have ever experienced. Despite efforts to speak with someone in charge to get some resolution to this dispute I have been unable to speak with anyone other than a person in a call center that just repeats what they have been told to say.
It appears that GM Financials idea of customer service is automated robo calls and representatives who are not interested in helping consumers.
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| 01/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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This complaint involves issues with the termination of my lease agreement with GM Financial. The leased vehicle was a XXXX XXXX XXXX XXXX ; it was leased for 36 months and I never missed a payment or was ever late. About 2 months before the expiration of the contract, I started reviewing the process of returning my lease and found out on GM 's website that GMs recommendation, in order to make a hassle-free return according to them, was to order a pre-inspection so I would know what to correct before returning the vehicle. Given I did not want any surprises, I requested the pre-inspection, which was supposed to be just for my information and records as to what to fix prior to returning the vehicle. As a result, however, this information was used against me when I returned the vehicle more than a month later.
I must mention that this is not the first time I have leased a vehicle in general and that I am familiar with the process, however, this is certainly the first time that I have experienced a situation like this. Once I requested the inspection, GMs inspector went to my home and inspected the vehicle while I was traveling for work. The person or agent who went, requested my mothers signature in the document even when she was not present with him during the inspection. I want to clarify, my mother was home ; just not physically present during the inspection of the truck, she was simply inside and was just aware that an agent would be conducting an inspection of the leased vehicle. However, since this was supposed to be only a Pre-Inspection, she didnt think it would be a problem signing the document the agent requested. She gave him a set of keys so he could inspect the vehicle and got back inside the house.
The report concluded a missing set of keys, tires that needed to be replaced or paid at a full price ( of more than 300 dlls each ), some apparent wear and tear damage to the paint and a check engine light being on. My first thought was that it was unfair and unreasonable to try to charge the full price on the tires since I didnt lease the vehicle to not use it, but on the other hand, I didnt want any trouble while returning the vehicle, thus I simply replaced the tires before returning it. I want to state that I had the original OEM tires in storage because I replaced the tires with bigger all-terrain tires for work as soon as I got the vehicle. Therefore, the original tires that came with the truck were hardly used, if not new ; less than 1,000 miles on the stock factory tires.
Approximately a month and a half later when the vehicle was due to be returned, I went to XXXX XXXX, a GM Authorized dealership in XXXX XXXX TX, to return the car. The Used Car Manager inspected the vehicle and received two sets of keys ( which I had since the beginning but the first inspector never requested the second set ), he noticed that the tires were barely used and I explained to him that they were the original OEM set from when I got the vehicle. He mentioned that everything looked fine and that they would send me the report.
Shortly after that, GM 's collections department started to call me to collect on the account, because according to them, I owed more than {$1600.00} dlls for all that was reported in the Pre-Inspection report. I explained to them every time they called that the report they were using was a Pre-Inspection report and that I had already resolved everything in that very same report, however, they simply ignored me and didnt care. They simply declined to conduct their own due diligence and just wanted me to pay. I requested several times to speak to a supervisor, only to be left on hold for 30 minutes to over more than an hour and after holding for that long I was simply told that there was no person with more authority that could talk to me.
This situation turned really stressful due to the calls becoming more and more often, but since I wanted to resolve the matter I always answered the calls and explained, again and again, the situation. Having to go back and forth for months discussing on the phone with GM 's reps and explaining repeatedly that I had solved the issues described in the Pre-Inspection report. Throughout the conversations with GM, I would be repeatedly transferred back and forth to different call center agents, and to the best of my knowledge, I became aware that the agents themselves had reports and notes of the past conversations that I would have with them. I will not assume if they simply refused to acknowledge my conversations or simply decided to ignore the notes, but it is factual that everything was in writing and on their end visible. While, again, I was never transferred to a supervisor or to a person with the authority to resolve the issues even when I requested it several times.
During this long and stressful period dealing with GM, I began the compilation of information, the receipt of payment for the installation of the new set of tires, as well as photographic evidence demonstrating the original tires on the truck at the time of the return. I also found out by the manager at the GM dealer in XXXX XXXX to whom I returned the vehicle to, that the vehicle had already been sold at a local auto auction. I went and spoke to the Auction to obtain their inspection report. I provided all this information, along with 25 pictures of the vehicle over to GM. Although I submitted all this information to GM, their collectors response was always the same.
Finally, after a few calls from the Manager at the Local dealer in XXXX XXXX ( I will provide you with his information ), all the information submitted, and several times on the phone, stressing my position that I had fixed the vehicle ; All this in a period of months, I was finally able to get GM Financial to recognize that the tires had been replaced as well as that they received 2 sets of keys, they stated that they were Making me the favor to drop the charges down to roughly {$450.00}. However, during this period, my credit score became affected by their negative remarks of being past due on the account for more than 120 days.
After discussing this matter with the credit bureaus, they had advised me to either fix the issue directly with the creditor or file a complaint. Unable to reach an agreement with GM, and due to their negligence which has impacted my credit score, further impacting my normal financial routines, job reputation and limiting my ability to borrow funds for my college education, I am now requesting your intervention. I want to make it clear that I have tried to resolve this issue with GM, exhausting all my possibilities for a course of more than 6 months, and answering all their calls even when I completely lost hope in them resolving the problem. I was not given the opportunity to speak with somebody that was not a collector, somebody with at least the intention and common sense of trying to resolve an issue, apparently, for them you are guilty unless you prove them wrong, and even after that, you are still guilty.
I have received multiple collection calls for this account, and after explaining the matter to the collectors over and over, they refused to acknowledge my situation and my solutions and instead harassed me with more calls asking for payment in a very forceful manner and not understanding that this was not about the money. In a very condescending manner, they were instead offering me payment installments in exchange for me to pay, not understanding that I dont have a financial problem in paying the amount that they were asking ( as a proof, I paid a similar amount for 36 months without problem, as if was the monthly lease payment of the car ), however, I refused to pay because I didn't and still don't owe them anything. These collection calls have made it difficult for my ability to be able to move about my day, my job and my college duties, without having to spend time on the phone with these collectors and explaining to them the situation over and over. I feel under duress and harassed by the entire way GM Financial has handled this situation with complete disregard not just to the clean record of payments that I made to them over the course of the entire lease contract for three years, but for the wrongful report on which they based their collection activity against me.
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| 12/23/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
GM FINANCIAL XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX, ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CREDIT AGENCIES AGREE TO WAIT BEFORE ADDING MEDICAL DEBT TO RATINGS XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX At this time I make the claim that the medical debt procured against me on any or all credit reporting agencies, should be deleted permanently.
Too many consumers have learned the hard way that their credit rating can be tarnished by medical bills they may not owe or when disputes delay insurer payment. That should change under new policy agreed to this week by the three major credit reporting agencies.
The agencies say they will establish a 180-day waiting period before medical debt is added to someones credit report. In addition, the agencies agreed that when an insurer pays a bill, the debt will be promptly removed from the consumers credit report, unlike certain debts that remain for years.
The changes are part of a settlement between the credit rating agencies XXXX, XXXX and XXXX and the New York Attorney Generals office that aims to improve accuracy and enhance procedures for disputing credit report errors. The agreement covers consumers across the country.
The three agencies gather information from banks and collection agencies about consumers credit such as payment history and how much someone owes to credit score for more than 200 million individuals throughout the country. A persons credit score is used as a measure of credit worthiness, and can influence peoples ability to get loans and the interest rates they are charged, among other things.
This is going to help millions of people access more affordable loans, says XXXX XXXX, a principal at community Health XXXX in XXXX XXXX, XXXX. People will no longer be penalized for having a medical bill slip past them and get on their credit report even though the bill gets paid.
Insurers sometimes wrangle with patients and providers for months before paying a bill. The new six-month waiting period will give consumers time to resolve such disputes, XXXX noted.
Medical debt accounts for more that half of the collection items on credit reports, according to a report by the Consumer Financial Protection Bureau. Among people facing collection for only medical debt, about half have otherwise clean credit reports with no sign of past debt collection problems.
On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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I purchased a XXXX XXXX XXXX with XXXX XXXX, XXXX, AK in XX/XX/XXXX. The loan was financed with GM Financial. In XX/XX/XXXX XXXX XXXX contacted me to solicit me for a test drive in exchange for a free turkey from a local shop in XXXX. I agreed to the test drive since I was interested in trading in my car for something that was co-titled with my son, XXXX XXXX. XXXX had become the primary driver when he started college in XX/XX/XXXX, of the original XXXX purchased in XX/XX/XXXX. A traced-in was executed XX/XX/XXXX on a XXXX XXXX XXXX XXXX XXXX with the new loan also financed with GM under XXXX. XXXX and I signed the paperwork. Part of the deal was my aftermarket studded winter tireIs would be removed from my the XXXX XXXX and placed on the XXXX XXXX. I had to get the sales manager involved to get the service department to execute this. I took the XXXX in roughly o n XX/XX/XXXX. I can verify this with phone records to get an exact date and time because XXXX XXXX service called mem and informed me they were going to have to give me a free set of new tires as my XXXX XXXX XXXX had already been sold by the dealership with my tires still on the vehicle. I had to approve the brand and change in the contract. I did and accepted the new tires in lieu of my personal aftermarket ones which had been sold with my vehicle.
On XX/XX/XXXX, and continuously between XX/XX/XXXX and XX/XX/XXXX I kept in contact with GM Financial as they starting sending me late notices on the XXXX XXXX loan. I had contacted GM Financial immediately on the day of trade in to let them know I had traded in the vehicle, was cancelling the auto insurance policy effective immediately and refinancing the pay-off into a new loan with them, as there was a small amount of negative equity to be rolled into the new auto loan for the XXXX XXXX XXXX XXXX. The new loan reported initially ( and still is reporting ) for XX/XX/XXXX on the new XXXX XXXX XXXX XXXX purchased at XXXX XXXX, XXXX, AK, on both my and XXXX 's credit report. I informed GM I was not going to issue a payment on a loan that had been rolled into another loan and closed out. Gm continued to insist the loan payoff had not been received from XXXX XXXX. On XX/XX/XXXX I received a credit change notice from my credit monitoring system with XXXX of a late payament greater than 30 days being reported by GM Financial for the original XXXX XXXX XXXX loan. I immediately called GM about the reporting. On XX/XX/XXXX I was told by GM Financial they had not received the payoff from XXXX XXXX and in fact I was accused by the customer service representative of not actually having traded in vehicle and was skipping on payments for a car still in my possession. I contacted XXXX XXXX, who provided me with the documents showing the loan initiated, pending and executed by XX/XX/XXXX. I was also given the trace number and proof of check made to GM Financial. GM Financial still refused to annotate or correct the reporting. During XX/XX/XXXX I had 2 open accounts with GM FInancial with one being reported late and open with a balance due in excess of $ XXXX. I also had a new loan showing open with GM Financial in XX/XX/XXXX with a balance in excess of $ XXXX. This loan showed up on my son, XXXX XXXX ', reports as well as a new loan in good standing. I have disputed this item directly with GM Financial many times. The legal assistance attorney from XXXX XXXX XXXX XXXX, where I am authorized services as a military retiree, also wrote a demand letter of correction after reviewing all the documentation. I have filed a Better Business Bureau complaint. I even took the XXXX XXXX XXXX back to XXXX XXXX and turned it in as I felt they, and GM Financial were in breach of the original contract. I placed a stop payment on the $ XXXX down payment. When I returned the car and notified XXXX XXXX of the stop payment on the down payment the General Manager, XXXX, called me for his personal cell to my personal cell. He told me he would fix it. I spoke with the legal assistance attorney and was advised it was ok to pick up the car as it was mine regardless of the stopped payment. I arranged with XXXX to retrieve the XXXX XXXX from the XXXX XXXX lot. My credit report was fixed to " paid, never late '' but still open with a balance pending for about 9 dyas. Then it within 24 hours of my arranging to bring in a cashiers check for the down payment of $ XXXX, my personal credit report with GM Financial changed again to late for XX/XX/XXXX, late for XX/XX/XXXX and with a repossession on it. This was worse than when I started. I emailed the sales manager at XXXX and stated I was not going to reissue the down payment as the problem which they had originated as the dealership was not fixed and in fact was worse then when I originally asked them to fix it. In addition to all this, I received 2 calls from XXXX and GM Financial on XX/XX/XXXX. This was how I found out XXXX and GM were the same finance lender. I received these calls at work on my desk phone. I have the records. One verified my employment and the loan information with me. The second call was when I found out GM and XXXX were the same company and that the new loan had been approved as financed in full. This left me with the distinct impression the old loan was paid off by the new loan being executed and funded per the representative. I was even told I would see it on my credit report soon under GM Financial on these calls. I have records of all transactions, phone calls, sales receipts, emails, etc. I can provide upon request. I have already provided this to the XXXX, GM Financial, XXXX XXXX ( who provided me quite a bit of it originally ), and the credit bureaus repeatedly. I just submitted the disputes yesterday with the credit bureaus again. Only through repeated credit bureau disputes did GM Financial finally report the loan on the orignal XXXX XXXX as paid and closed as of XX/XX/XXXX. That is a physical impossibility if the new loan had to pay off the old loan and the new loan was executed in XX/XX/XXXX ; not ot mention my XXXX XXXX XXXX was sold by the dealership in XX/XX/XXXX and the check of final payment was cashed by GM Financial AND cleared through the dealerships bank account completely by XX/XX/XXXX. GM Financial hs denied the calls on XXXX XX/XX/XXXX even though I have provided them copies from my work phone records of both calls. THey have denied my phone calls to them even though I have phone records. Now XXXX XXXX XXXX of XXXX is contacting me for the $ XXXX down payment or they are threatening credit bureau reports and collection action. When I originally went into trade in the vehicle I informed XXXX XXXX that it was important no negative impact was on my credit report as I was initiating escrow to purchase a home. Because of the actions by GM Financial and XXXX XXXX my escrow application was ultimately denied due to the 43 poi9jnt drop in my credit score from the late report. The inaccurate debt-to-income ratio also has affected me negatively and prevented me from entering into a new escrow deal when compounded with the negative report that is completely inaccurate. I am already just recovered from a terribly devastating divorce. This was why I financed with XXXX XXXX and GM FInancial originally. I had no other options. But my good actions had resulted in a 9 % point decrease in the offered interest rate as well as placed the primary driver on the title and loan. The incompetence, refusal to correct and downright malfeasance and fraudulent behavior by GM Financial has had a tremendously detrimental effect on my life. It essentially lost me a house. Additionally, XXXX XXXX 's sitting on the payment ( according to GM FInancial ) for almost 2 weeks after they had already sold my XXXX XXXX ( with my personal property on it ) makes them both culpable and liable, as well as in breach of their contract with me for the $ XXXX down payment. I can provide copies of all documents via FAX, SCAN or hard copy upon request.
Names are on loan : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), AK XXXX my phone number is XXXX email is XXXX Thank you.
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| 01/02/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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I leased a vehicle with GM which they reported as a repo. When I noticed it on my credit report I sent them this letter. From everything I read if it was indeed a repo as they reported they should be able to provide this information : Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX GM FINANCIAL XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, TX XXXX VIA USPS & FAX : XXXX Dear GM FINANCIAL : You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : Creditor : GM FINANCIAL, Account : XXXX Reason : Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Please provide a complete payment history, what was the original date of delinquency for this account that caused it to become a chargeoff? What was the date of the last payment received. How did you calculate the current amount owed? Provide proof that the vehicle was reposessed and proper notifications sent per XXXX.
If indeed the vehicle was repossed as you are inaccurately reporting. Provide the following : A A full and complete accounting of all payments including itemization on how monies were applied to principal, interest, or other fees.
- Please provide me with a copy of the bill of sale for the vehicle in question.
- Please provide me with a copy of the signed USPS slip as evidence of statutory overnight deliverysigned by the addressee.
- Please provide me with the name, address, phone number of the towing company used to transport the vehicle to the private auction.
- Please provide a copy of the bill of sale showing the price of the money collected because of the private sale as evidence the vehicle was resold in a commercially reasonable manner or even for a good price.
- Please provide me with a full and complete calculation of how you determined the sales price.
- Please provide me with a full and complete explanation of how you derived the deficiency balance, Items 1-18 on the Explanation of Calculation of Surplus or Deficiency.
Please send that to my attention within 5 business days of the receipt of this letter. Once I receive the requested information, I will require at least 30 days to investigate this information.
If your offices fail to respond to this VALIDATION REQUEST within 30 days from the date of XXXX, XXXX XXXX, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX On XX/XX/XXXX they responded with information on a different account ( # XXXX ) not the one that I wrote about! On XX/XX/XXXX I wrote them again : Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX GM FINANCIAL 2nd Request XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, TX XXXX VIA USPS & FAX : XXXX Dear GM FINANCIAL : I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA.
I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA.
In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : Creditor : GM FINANCIAL, Account : XXXX This account was NOT a reposession. If you believe that it was, please provide all of the following documentation or delete this comment from each of the credit bureaus : 1. Auto Purchase Plan Agreement 2. Credit Application ( to corroborate identity of alleged debtor ) 3. Sale Invoice ( to corroborate claim amount of alleged debt ) 4. Vehicle Invoice ( to corroborate consistency of claim amount of alleged debt ) 5. Retail Certificate of Sale ( to corroborate parity between sale amount and claim amount ) 6. Payment History providing evidence of payments including last payment date and Charge-off Date ( to corroborate actual debt owed net any payments ) 7. Vehicle Title 8. Dunning Letter 9. Repossession Assignment ( initial ) 10. Any subsequent Repossession Assignments 11. Repossession reassigns 12. Account Profile/Repossession Approval 13. Repo Checksheet 14. Notification Letter to Report Derogatory Status to Credit Bureaus 15. Notice of Repossession/Right to Redeem with any additional fees ( e.g. Recovery fee ) to reflect Legal requirement to notify me personally, or by registered or certified mail at my last-known address, within 24 hours of such repossession.
16. Notice of Plan to Sell Property at a Private Sale ( Notifying me of the time and place of a public sale and/or of the time after which a private sale has taken place ).
17. Letter of Private Sale ( Disclosing Purchase price of buyer ) 18. Total Loss Protection Assurance ( Covers the loss of the entire car minus any payment obligations until submission of claim ) 19. Post-repossession assigns/assignments/assignment agreements 20. Debtor Notification of Assignment pursuant to 21. Bill of Sale for the sale of any chattel paper or payment intangibles relative to the debt I made it a point to research what the IRS defines as a charge off ( https : //www.irs.gov/pub/irs-drop/rr-01-59.pdf ) An account can not be 'charged off ' prior to a 180 day delinquency. Also a charge off is a LOST asset. This account was paid in full according to the lease agreement.
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.
Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to log a complaint against you with the Federal Trade Commission. I am tracking receipt of these letters by fax and USPS.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX When I followed up with a phone call about the inaccurate reporting I was told that the letter that I sent was not specific. Really?! I also wrote the credit bureaus during this time period. I got a response back that said File Number XXXX Date Issued : XX/XX/XXXX Pay Status : Account paid in Full ; was a charge off Remarks : PAID IN FULL/WAS CHARGE OFF So ( 1 ) why didn't GM tell the other two bureaus and ( 2 ) why is it now showing as TU - payment after charge off/collection dispute resolved ; reported by grantor. Exp - Account was in dispute- now resolved - reported by subscriber. Unpaid balance reported as a loss by credit grantor. Eq - paid charge off auto.
Yet all 3 have a {$0.00} balance so what is there to charge off.
The fact that they initially damaged my score by saying it was a repo was incorrect and should have been removed. Then to state it was actually paid in full to it being back to a chrage off is wrong! You can't charge off a paid account.
They didn't even acknowledge my request for information so what are they using to validate this debt GMs response said I didn't provide sufficient information and that I needed to provide documents to substantiate the basis of the dispute. Are they kidding?! They are the ones reporting. They are the ones required to validate the debt.
GM has reported inacurately and continues to do so. I want this account deleted. I hope there is a way to upload what I am saying. Thank you for righting a wrong.
|
| 07/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
|
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I have contacted Gm financial over 30 times regarding my account. Gm financial had system updated that took over 6 months to correct so they opted not to report all my payments from XX/XX/XXXX till now. This is my only major account and has not been reporting properly to credit bureaus. With XXXX and XXXX the repot show s my las payment was XX/XX/XXXX which is not corrected. The only thing getting updated is balance. On report doesn't show my monthly payment amount at all.
I am trying to by a house how can I when this loan doesn't show that I am making payments, payment amount and current.
I have spoke to over 10 supervisors, submitted complaints via web on gm financial website without a corrective response. I have been hung up on several times and also asked to speak with president of company and was denied. I received an email XX/XX/XXXX from XXXX XXXX copy and pasted below!
GM Financial XXXX ( XXXX ) XXXX Search Emails XXXX More XXXX Mail All Search MailSearch Web Home XXXX Help Press? for keyboard shortcuts.
Close Ad Mail Contacts Calendar Notepad Messenger News Feed GM Financial XXXX ( XXXX ) XXXX Search emails Press the Enter key to select an item Compose Inbox ( 9999+ ) Drafts ( 65 ) Sent Archive Spam ( 1715 ) Trash Smart Views Important Unread Starred People Social Shopping Travel Finance Folders ( 146 ) At Home babies Deleted Items ( 66 ) saved ( 1 ) Sent Items Synced Messages ( 79 ) Recent Search results Archive Move Delete Spam More Collapse All Servicing Updates ( 4 ) Finance GM Financial To XXXX XX/XX/XXXX at XXXXXXXX XXXX Most issues resolved ; credit bureau reporting to resume soon.
Customer Service Updates Dear Valued GM Financial Customers, Many of you have received emails earlier this year from me regarding some technical difficulties that GM Financial has been experiencing since the beginning of the year. As I stated in those emails, the company underwent a significant infrastructure replacement project and some unforeseen technical issues caused interruption or degradation in our ability to properly service many of your accounts.
While the majority of our customers have not been noticeably impacted by these issues, many customers have had experiences that included unacceptable wait times when contacting GM Financial, confusing billing statements, significant delays in processing some service requests and unnecessary and unwanted calls for insurance verification.
Most of these challenges are behind us or will be resolved in the coming weeks. Call wait times are back to normal ( though as usual, there are some times when call volumes are especially heavy and wait times are longer than normal ) and most of the service request backlogs have been worked through.
GM Financial opted not to report payment activities to the major credit bureaus for most of our accounts during this time. Later this month, we will update the credit bureaus with balance information and reflect payments received from XXXX forward. It is important for all to know that none of GM Financial 's customers ' credit was negatively impacted as a result of our system upgrade. Any customer in need of accelerated postings to the credit bureaus should contact GM Financial and we will process your request to provide an update.
You can contact us by calling XXXX or logging on to MyAccount at GMFinancial.com and using the messaging feature, which is also available through our recently launched mobile app for XXXX available on XXXX XXXX ( XXXX version due out this summer ).
GM Dealers ' systems were not impacted in any way as a result of our system upgrade. Many GM Dealers helped our customers navigate through some questions and issues and we greatly appreciate their help.
Thank you once again for your patience while we work hard to resolve our customers ' needs and position GM Financial to deliver the remarkable experiences and service that we owe each of you. And, once again, please accept my apologies for any inconvenience you may have experienced.
XXXX XXXX Apply for Credit | MyAccount | Contact Us | Privacy Policy | Unsubscribe GM Financial, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX This message was sent to XXXX as a promotional message.
Please do not reply directly to this email.
XXXX General Motors Financial Company , Inc. GM Financial and the GM logo are trademarks of XXXX XXXX XXXX , used with permission.
Reply Reply to All Forward More To CC/BCC XXXX Message Body Sent from XXXX Mail for XXXX Begin forwarded message : On Friday, XX/XX/XXXX, XXXXXXXX XXXX, GM Financial XXXX wrote : Customer Service Updates Dear Valued GM Financial Customers , Many of you have received emails earlier this year from me regarding some technical difficulties that GM Financial has been experiencing since the beginning of the year. As I stated in those emails, the company underwent a significant infrastructure replacement project and some unforeseen technical issues caused interruption or degradation in our ability to properly service many of your accounts.
While the majority of our customers have not been noticeably impacted by these issues, many customers have had experiences that included unacceptable wait times when contacting GM Financial, confusing billing statements, significant delays in processing some service requests and unnecessary and unwanted calls for insurance verification.
Most of these challenges are behind us or will be resolved in the coming weeks. Call wait times are back to normal ( though as usual, there are some times when call volumes are especially heavy and wait times are longer than normal ) and most of the service request backlogs have been worked through.
GM Financial opted not to report payment activities to the major credit bureaus for most of our accounts during this time. Later this month, we will update the credit bureaus with balance information and reflect payments received from XXXX forward. It is important for all to know that none of GM Financial 's customers ' credit was negatively impacted as a result of our system upgrade. Any customer in need of accelerated postings to the credit bureaus should contact GM Financial and we will process your request to provide an update.
You can contact us by calling XXXX or logging on to MyAccount at GMFinancial.com and using the messaging feature, which is also available through our recently launched mobile app for XXXX available on XXXX XXXX ( XXXX version due out this summer ).
GM Dealers ' systems were not impacted in any way as a result of our system upgrade. Many GM Dealers helped our customers navigate through some questions and issues and we greatly appreciate their help.
Thank you once again for your patience while we work hard to resolve our customers ' needs and position GM Financial to deliver the remarkable experiences and service that we owe each of you. And, once again, please accept my apologies for any inconvenience you may have experienced.
XXXX XXXX Apply for Credit | MyAccount | Contact Us | Privacy Policy | Unsubscribe GM Financial, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX This message was sent to XXXX as a promotional message.
Please do not reply directly to this email.
XXXX General Motors Financial Company , Inc. GM Financial and the GM logo are trademarks of XXXX XXXX XXXX , used with permission.
Send XXXX XXXX XXXX XXXX Proof of payments not reported from XX/XX/XXXX. I did send you a letter indicating that my account has been paid on time for last 5 months and I am current please review thanks! Sent from XXXX Mail for XXXX Begin forwarded message : On Friday, XX/XX/XXXX, XXXXXXXX XXXX, GM Financial XXXX wrote : XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX Sent from XXXX Mail for XXXX Begin forwarded message : On Friday, XX/XX/XXXX, XXXXXXXX XXXX, GM Financial XXXX wrote : XX/XX/XXXX at XXXXXXXX XXXX Click to Reply, Reply All or Forward Send One click away from your upgraded Inbox
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| 08/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My husband and I leased ( 2 ) vehicles from XXXX XXXX XXXX in XXXX, XXXX. My vehicle was a XXXX XXXX, and at the last minute, he decided he needed a XXXX XXXX. We weren't offered the option to purchase the vehicles, even though we were told we were qualified to purchase or lease. We were rushed through the process and at some point in the paperwork detail after signing, they changed my personal information to someone with the same name, living in the same city but everything else was correct. I complained about that because they kept calling my husband about offers and such for everything related to MY car we only received phone calls and were told that information had been mailed. The issue seemed to be resolved as they sent a letter addressed to me at my address shortly after, regarding the XXXX.
Still, all calls came to my husband for service appointments, questions about the car and what we wanted to do when the lease was up. My husband was very XXXX with the bank account and paid all the bills. He was also very XXXX with everything else. The police had been called to my home 3 times in a week because he became XXXX XXXX with my XXXX. He had been reported to XXXX on at least two different occasions by more than one person. After putting a little money aside for several months, I was finally able to pack up my children and leave my husband on XX/XX/XXXX.
In preparation for this move, I downloaded the GM Financial App on my phone changed the password for my vehicle, changed the payment method ( as it was all his information ) and I made a {$500.00} payment on XX/XX/XXXX. That was the amount that the GM Financial app said was due when I made the payment. I paid my rent and ( partial and XXXX month ) XX/XX/XXXX and planned to pay XXXX with my check on XX/XX/XXXX, which was when payment was due. In the background, my husband opened up a new bank account and when the cell phone bill went through ( auto pay ), it had been sent back as NSF and the 3 phones ( mine and both of our children 's ) were disconnected. I figured that I would just take care of the car payment on Monday XX/XX/XXXX when I went to work. It would just be 3 days late, and I wasn't really sweating that too much.
I spent Saturday on the home phone fighting to get the cell phone turned back on. Sunday, I went grocery shopping and to the XXXX, went home and got ready for work the next day. On Monday, XX/XX/XXXX, I walked out the door at XXXX XXXX to go to work and my car was gone. I looked around and there wasn't any broken glass, no sign of theft ... I went back in the apartment and called XXXX XXXX XXXX XXXX, my now estranged husband. I was so panicked that I couldn't think straight. That's when he told me that they had been calling him about a payment and he told them to " just come get the XXXX XXXX '' he said he was on his way to my apartment. I began calling GM Financial. I was transferred to the vehicle recovery ( or whatever it's called ) line. My calls started at XXXX ET. They wouldn't be open for 2 more hours. The gentleman that transferred me told me that I had to leave a message and they would call me back as soon as they were able. I left my name and MY phone number. I called my new boss ( because I had just been promoted ) to tell her that I had a problem with my car and I wouldn't be able to make it in. I had {$1200.00} to my name and I was praying that was enough to get my car back.
Two hours passed and there wasn't a phone call. I called back, left my number again. My husband showed up at my apartment and left, telling me to call him when I found out what I needed to do to get the car back. I called back several times with no return call. Later that afternoon, I called and finally got a hold of an agent named XXXX XXXX XXXX. She wasn't in the financial recovery department ... she just answered the regular number ... but she was willing to help me. She advised that to get my car back, it would cost {$3000.00}. She gave me the steps necessary to obtain my car and I questioned the amount. She said that the only payment made between XXXX and XX/XX/XXXX ( the one I made ) was a partial payment at the beginning of XXXX. I talked with her for a long while and told her about the situation and I asked for a breakdown of payments since the beginning of the lease and she said she would have to mail it. I never received it. She also advised that the XXXX was current on payments.
Later, XXXX XXXX XXXX XXXX came to get me with promises of getting my car back but we would have to stay with him and " share '' the XXXX until we could figure it out. Sharing meant him taking me where I needed to go when it was okay or convenient.
Back in the house I hated and had to escape from, held XXXX with no means of transportation to get back and forth to work. Later he told me that all the messages that I left for GM Financial to call MY number, they had called HIS number. Of course, he never answered and as always, let the calls just go to voice mail. I have since learned that there have been several voice mails left for him.
After two days, I had a day off from work and after listening to how we wouldn't get my car back anytime soon ( with fees and payments piling up ) we would never be able to get it back and if I was XXXX enough to believe he would come up with all this money eventually, one or all of us would have been hurt, or worse, XXXX.
I took my XXXX and went to a XXXX XXXX XXXX XXXX lot and got a car, just so we could get out and go back to safety.
A letter was sent from GM Financial to my estranged husband on XX/XX/XXXX, two days after my conversation with agent XXXX XXXX XXXX and it said that we had ten days to come up with {$21000.00} ( the value of the car ) or it would be sold at auction. I also had 10 days to claim my personal belongings that were in the car or they would be discarded. I received that letter on XX/XX/XXXX, two days too late even though I had spoken with XXXX XXXX XXXX on the XXXX and advised that I planned to get the car back. I immediately called again and was sent to that good old voicemail. Once again, I left a message with MY number. I never got a return call, he did.
One last ditch attempt I got through to GM Financial and was transferred to an agent in the Spanish speaking department. She couldn't help me but was able to verify that my number was listed on the account.
Just yesterday I received a call ( left a voicemail ) from XXXX XXXX XXXX 's manager asking me to call and let them help me get in the vehicle of my choice? They have my phone number?? They want to talk to ME???
We are not living in the XXXX 's where a wife has to get " permission '' to own a car and the man is the decision maker and the only one with a voice. A female can walk onto a car lot and purchase a vehicle, can have a bank account and make her own money. Someone obviously forgot to tell GM Financial.
After that long story, here is my list of complaints : 1 ) There was NEVER ANY communication with ME that MY car payments were behind at all, when two parties enter into an agreement, both parties should be contacted. Not one phone call, not one letter, not one email, not one anything.
2 ) When told to " just come get the XXXX XXXX XXXX there was never a call made to the co-borrower ( whom is driving said vehicle ) to ensure both parties agreed to that.
3 ) I have left at least seven messages, all with MY phone number and I have YET to receive a phone call. HE has received every call back. WHY?
4 ) I have a list of conformation numbers where payments were made but I have nothing to research and verify because I can't get them to mail me anything.
5 ) My credit is damaged because a repossession has been reported to all 3 credit reporting companies.
6 ) My car had XXXX miles when I pulled off the lot. It only had XXXX when it was repossessed.
|
| 09/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
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At the end of XXXX I had a XXXX XXXX XXXX that landed me in the hospital. I have been diagnosed with a XXXX XXXX. I am a XXXX XXXX so because of the XXXX, I cant drive for 6 months in the state of Louisiana & a year across country. I will be out of work until I am XXXX free for that length of time. I was the sole provider for our household. It would have been really ideal if my wife could have picked up where I left off & gone to work XXXX XXXX XXXX She is a XXXX XXXX as well. But she has been tasked with seeing after me to ensure I dont have any breakthrough XXXX, as I have had to change my meds during this. She also has to lift heavy things for me and take care of the household, as I cant over exert myself until I am fully healed & cleared by the doctor. I also have appointments that she has to drive me back & forth to in XXXX XXXX. Hopefully my last appointment will be this one coming up on the XX/XX/XXXX & my wife will be able to go back to work on the XXXX. Once she goes back to work, we can get caught up. We havent had any income coming in. We have a XXXX account that we got some money, but thats gone. We had a donation that covered last months utilities, but we are still behind on this months utilities. Our electric company is XXXX all their customers right now. But thats beside the point. We are not trying to avoid paying our bills. We have been on point and on time with our bills up until this situation. We just need one more month, and they refuse to give it to us.
Here are the steps we have taken to get assistance from this company.
Back in XXXX we had a setback with the company I was working for. My truck was down for 3 weeks. We didnt have income coming in at all. We contacted GM immediately to inform them of the situation and to see what we could do to get help. They said they would give us an extension, but we had to pay {$210.00} to get the extension. That is half our car note. I mean, we had to end up borrowing money from someone to pay that. It isnt much help if you have to pay half your car note to get an extension, but we did it. We were desperate. They put the rest of XXXX & all of XXXX on the back end of our loan. Moving along, I quit my current job and went back to my original trucking company because I wasnt making the money I was promised. Things were getting back on track. We were getting our bills caught up then I had a XXXX. We called GM again, because we realized it would be a few months before my wife could go back to work. We explained this to GM. We called in XXXX. We paid XXXX with money we had, but that was all we could do. They said they would file another extension for us, but again, we would have to pay XXXX dollars for the transaction. We told them we would need a few days to get that money together. We did. We called back the following Friday. They told us they wouldnt be able to help us because we had an extension already & we have to wait another 6 months before we can apply for another one. He said that they do everything they can not to take our cars from us & that as long as we accept the calls when they come in & cooperate with them, they will work with us. We have to be transparent & let them know everything. He informed us that we would start receiving calls at day 45. We said ok. At day 45, we started getting phone calls. Not sure the exact date. We informed the guy that called that my wife would hopefully be able to start working again in XXXX, not sure when, and that we wouldnt be able to make a payment until she started working. He said, Ok, we will call back next week & see if anything has changed. We told him it wouldnt. He still insisted that things may change. Seemed like he just didnt want to deal with it and was passing the buck. We get a call again the following week. We explain to them everything we have said here, for a 3rd time, and they said we cant just not make a payment & there is nothing they an do. At the 60 day mark, they will come and get the car. We told them that we dont have the money & we arent just not paying it. We have no choice right now. We have been good customers up until now. We are just asking for one more month. They said that was too much. They cant do it. They said we can take out a loan to pay for it or refinance or trade it in or schedule a pick up or turn it in. We told them that we are cooperating with them. We called them first & have answered their calls. We told them what was said to us previously, and they said we were misinformed. We spoke to 6 different people in the course of 2 days. No one would hear us. They werent even trying to help us. I could understand if this was an ongoing thing. We have documents and evidence showing that we arent lying. We offered to send it to them. We even offered to make a partial payment as a proof of trust showing that we are committed to getting caught up. They said we could pay it, but they would still take the car. So we counted the months from the time when we filed our last extension & realized it was 6 months ago. We filed the extension in XXXX. So, we called back today & told them we would like to file another extension. They said we cant file another extension because it hasnt been 6 months. I said yes it has. It was in XXXX that we filed. That was 6 months ago. They said, you dont qualify for another extension because you have to have consistent payments in between extensions in order to get another one, and you havent. We told them we wouldnt need another extension if we could pay them on a consistent basis. Basically, they are telling us something different every single time we call so that they cant help us. I realize that the Louisiana law states that at 60 days they can repossess our car, but we arent the typical customer. We arent just dodging our payments. We plan on getting back on our feet again, we have just fallen on hard times. They said that we just cant not make a payment that when we signed the contract we agreed to make payments every month. I said yes, but I didnt plan to have XXXX! And we are telling you that we are promising to pay come XXXX, but they said that is too far out. I kept asking them, so you are saying you are choosing not to help us. They refused to admit that but kept redirecting the conversation. Then when we would get upset & raise our voice because they were not listening to us & kept repeating themselves, she threatened to hang up on me. One of them asked me if I could hear her clearly, and I said yes. She said something to the affect, I was just making sure because it didnt seem like you can. I told her I can hear you clearly. Another one when we called & asked to speak to a supervisor refused to connect us unless we gave him the details of our request. And another one when we called today and asked to speak to the supervisor let out a heavy sigh before agreeing to it. The supervisor told us he couldnt help us either.
Bottom line, anyone can do anything they want to. We all have a choice in this life. There is NOTHING stopping them from helping us. They are CHOOSING not to help us. We are doing everything we can on our end to keep them up to date on the situation & keeping up communications so they know we arent trying to XXXX them over. Back in the day, when people fell on hard times, we helped each other. We arent asking for a free ride. We arent asking for anything other than time. They dont give it to us, we will just file for bankruptcy and keep our car & house & they will lose money anyway. That is our next step.
The car company is GM Financial
|
| 02/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I have an injury committed by GENERAL MOTORS FINANCIAL towards me. I sent GENERAL MOTORS FINANCIAL , INC. a letter CERTIFIED MAIL NUMBER # XXXX on XX/XX/2022 requesting my credit balance refund Pursuant to 15 USC CH 41 1666 ( d ) also Pursuant to 12 CFR 226.11, GENERAL MOTORS FINANCIAL did not respond and now I am contacting the CFPB to help with the validation of debt, as GENERAL MOTORS FINANCIAL , INC. stated that I owe an alleged debt. I called XX/XX/XXXX to get a response as to why nothing was sent regarding the letter about the credit balance refund. I received an email on XX/XX/2022 thinking this email was regarding the response to my letter. It was not, I called on XX/XX/2022, responding to the email that was sent to me by XXXX XXXX. I called and asked about the refund, and no one was able to respond. I asked if my letter was received and I was told it was received on XX/XX/2022, and no written communication as requested has been given as of yet. I called again XX/XX/2022 and spoke to XXXX who was professional and informed me that she couldnt assist me on the number I dialed in her department that a manager would need to handle the call. She stated someone would call me back and I agreed on a 1 time phone call. I received a call back from XXXX XXXX Manager He stated he didn't want the call recorded and I stated as well that I did not want the call recorded and he stated " we do this for quality assurance '' I stated that " I do my recording for quality assurance '' He stated he didn't know me and that he doesn't have to be recorded '' I stated that I didn't know him and I choose to not be recorded. '' He said " I will submit a request '' I stated " A request? '' I do not want the call recorded period. I asked to speak to someone else who didn't want to be combative, but actually move forward with the call. He stated " it looks like you are working with an attorney so you don't need to record the call '', I stated " who informed you that I was being represented by an attorney? '' He stated well it assumes that you are based on the paperwork. '' I asked to speak to another supervisor immediately. He refused several times to get me another manager. I asked him several times for clarity, " are you refusing to get me another supervisor? '' He said " you can call back '' and informed him that " I am already on the phone. I am not calling back, you can get me to another supervisor now that I am on the line already. '' Eventually he said " ok '' put me on hold and came back and said " no one else was available '' and asked if they could call me back I replied " I am authorizing a one time call back, yes ''. He said ok someone will call you back. At XXXX cst I finished an email and sent it to XXXX XXXX to inform her of my encounter with her agents and questions about the refund and that no one had returned the call after her agent XXXX XXXX practices deceptive acts and misleading me attempting to make me think someone would call me back. GM financial closed at XXXX cst. XXXX didn't put in a request to have someone call me back. This is unacceptable and goes against GENERAL MOTORS FINANCIAL values and ethics. I have yet to receive a phone call back about the matter nor has anyone responded to the email I sent to XXXX informing her agent didnt put any request in to call me back to handle the payment arrangement. Called GENERAL MOTOR FINANCIAL , INC. again on XX/XX/2022 and spoke to XXXX XXXX who didnt have any way of helping me with a response to the letter I sent in communicating the credit refund. She wanted to pass me over to another department that handles refunds in the customer service department. I asked to speak to a manager in that department. She stated she would have one give me a callback and in the meantime we would wait for a supervisor in the customer service department that helps with refunds. XXXX XXXX returned from hold stating, They had a long wait, and she submitted the request for the supervisor to call me back to talk about the assistance program. I received a call back from XXXX XXXX XXXX and informed him that I was calling pertaining to my refund ; however, I was informed by XXXX XXXX that this department could not help me. It would be best for us not to go over the refund, but lets go over the assistance program. XXXX XXXX XXXX stated the account was in default and I stated how?, when I sent an instrument payment on XX/XX/2022 and received CERTIFIED MAIL # XXXX. He stated the payment has not been put in the system. When informing him of the payment instrument I sent in he stated and I quote XXXX we will not be entertaining this payment you sent in he laughed you know good as well that sending in that amount will do nothing for your account. This was an attempt of XXXX XXXX XXXX XXXX attempting to disgrace me PURSUANT to 15 U. S. C. 1692 ( e ) ( 7 ). He also took the liberty to mention that We will discuss the contract you signed with us! Informed that the contract should be null and void due to the numerous violations during the application process, I am currently aware of my rights and the misconduct GM Financial is handling with consumers is erroneous and does need to be investigated. XXXX XXXX did not even attempt to go over the assistance program but instead said take us to court, I know you have already done the research! I responded, You must not be familiar with XXXX XXXX Article XXXX XXXX, I NEED VALIDATION OF DEBT! XXXX XXXX XXXX employed with GENERAL MOTORS FINANCIAL COMPANY , INC. attempted to disgrace me and make a joke out of my character, by me exercising my rights. This is the reason we are here today. I do not trust this company to respond without the CFPB involved and GENERAL MOTORS FINANCIAL COMPANY , INC. should be following the law and should be held accountable for not following the law. I would also like to point out another fact, my account was not in default when contacting GENERAL MOTORS FINANCIAL COMPANY , INC. on XX/XX/2022, XXXX XXXX instead of going over any programs he escalated the call and never mentioned and solutions or remedies. By agent XXXX lying about someone calling me back and no one calling me back after saying someone would and no response from the department manager, CAUSING MORE INJURY PUTTING THIS SAID ACCOUNT IN DEFAULT. I am now requesting GENERAL MOTORS FINANCIAL COMPANY , INC. validate the debt and original creditor. Its Federal Law Pursuant to 18 U. S. C. Title 8, that there is no debt present. I need the debt validated and I need a written response as I am allowing this company to indeed cure this situation before I take any legal action and I WILL be taking legal action. If the debt can not be validated I need my title and the lien released as well as any debt removed indefinitely AND the credit balance refund amount that I requested in my initial contact letter. I also would like to include that before I was not aware of my rights with GENERAL MOTORS FINANCIAL COMPANY , INC. and I am very aware now. During the contract signing I was not made aware of 15 USC 1605 I was not to be charged a down payment on my property. TRUTH AND LENDING ACT also backs this same law and GM financial allowed XXXX XXXX finance manager to sit there and add insult to injury by being deceptive and misleading. GENERAL MOTORS FINANCIAL , INCXXXX non-communication is in agreement to owing the refund.
|
| 01/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
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|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Consumer Finance Complaint To whom it may concern : I am one unhappy customer and I am reaching out to you for a resolution of this important matter. I have briefly described what has happened and I am hoping for a comprehensive resolution from your government agency : I was very interested in the new XXXX models and I have a XXXX authorization code for special pricing.
On XX/XX/XXXX I went to central XXXX XXXX XXXX. The salesman XXXX XXXX told me he has just landed this job after he was let go of his last job due to Covid-19. I truly felt for him and I wanted to help him out. I emailed him my XXXX authorization code and asked him for a XXXX pricing sheet. I trusted the salesman explained to him how XXXX is nostalgic to me, growing up my dad had a XXXX XXXX and how much I love to be part of a XXXX XXXX. I have a leased XXXX and also asked him if they could take care of the lease I currently have.
When he took me to the finance managers room ( XXXX XXXX ) she told me that her boyfriend is from the same country of origin that I am. she talked about the food, traveling, her ex husband, her XXXX mother and father, her current residence, their recent XXXX vacation, her fake degree, her bf refuse to propose to her but every guy loves her, how she doesn't like American car, her annoying bf 's mom and her troubles when she stays with them at their XXXX XXXX residence penthouse. I felt really bad for her. she even made a video call to one of her guy friends that she thought would be a suitable for me! she showed me bunch of pictures and gave me a history of her job and promotions and how she is so great with finances. everything about her and her life but nothing about the contract not even a single word. I wasn't sure what was going on and I felt that I was trapped in that location and I need to sign just to be able to get out! the only thing she gave me was my credit score that she circled and handed me along the contract, an execution style!
XXXX told me I have to take the car home. I was quiet shocked to me it was strange. I told him I can't and your office is closed. there was not even a second key. he drove the car to my apartment and I had to drive him back to dealership. he asked me to go and have a drink with him which I declined.
When I came home I started looking at the papers. After intensive hours of aggressive negotiations I was left with a completely deceptive contract. The items were added that were never explained or agreed on and there was no XXXX pricing. I was extremely disappointed. I used the signature that I don't typically use in fact I haven't used in 12 years. I was in different state of mind and they totally deceived me.
Dealership was closed on Sunday XX/XX/XXXX. Monday I faced a serious hardships with my finances Due to Covid-19 and I could no longer handle the lease. I returned the car on Monday XX/XX/XXXX night around XXXX XXXX and the security guy told me the manager is still inside the building so come on in and explain your hardship. He went to the small room next to staircases and told me to come in. I immediately noticed theres something wrong and called my friend to come to the dealership. I went inside the car and called XXXX. He locked himself inside the building.
After about 15 min he came out and asked me to open the car. It was terrifying. I was still waiting for my friends arrival. As soon as my friend arrived I left the key on the car and left the parking lot. Couple of minutes later the security guy left in a XXXX XXXX and took the key. I have no idea why he asked me inside the building? sexual harassment.
Tuesday XX/XX/XXXX, I called GM XXXX and told them about the situation and they told me they would help me. The salesman XXXX XXXX and the finance manager XXXX XXXX called me. I asked to speak with XXXX and XXXX said XXXX works for her. She said everyone works for her and According to the contract I am responsible for the car payment .She said she is not working for XXXX . She was extremely rude and she was very proud of her deceptive contract.
Meanwhile I had already spoke with the corporate and raised concern.
At night I noticed that I have left the garage door opener in the Cadillac that I returned on Monday and requested to have an officer to escort me .The dealership realized that and they decided to park the parking in my spot. They entered my gated apartment without my permission and parked the car there. XXXX sent a picture of the XXXX parked in my spot.
I called GM XXXX on Wednesday XX/XX/XXXX morning and they told me that they rejected the loan. I have an excellent credit score and they were trying to help me.
The car sat in my garage for 2 days while I was calling the dealership for 2 days and never heard back from their manager .On XX/XX/XXXX I called GM XXXX and they told me take the car to the dealership and since you have the approval go to another dealership, I returned the car and the keys. I was traumatized by the whole experience and needed time to rest my head and take my time to heal from this whole situation. Such a horrible experience. Deceptive trade, sexual harassment, I have nothing to do with that dealership.
on XX/XX/XXXX I received a call from XXXX XXXX manager for a very first time he was very rude and aggressive and he told me that I need to take the car and my loan is approved. It was a true nightmare. they ruined my XXXX. why did GM told me to return the car and now they are telling me that I have to accept that deceptive deal and deal with that dangerous location with those unethical staff?
I am a member of non profit organization XXXX XXXX XXXX and they have XXXX XXXX on their front cover. I decided to end this drama and visited them on XX/XX/XXXX. I met with XXXX XXXX and got the same XXXX even with more options and heated seat for {$13000.00}. He spoke to his manager about my XXXX and XXXX and they give me a 36 months deal for over $ XXXX less. The only problem was I had to call GM XXXX to cancel that first loan.
I called GM XXXX and they told me I will receive a call from Ms. XXXX XXXX on Monday XX/XX/XXXX. I never received any phone call and after hours of waiting I was connected to XXXX who claimed he was a manager. He was a bully and I was extremely disappointed but I didn't give up and everyone told me that GM is a great company and it will help me so I called again on Wednesday XX/XX/XXXX and spoke with another manager and he said he will raise this issue to the higher management and there will be a solution. After numerous calls Finally I had a call from a corporate and told me to go back to the dealership and they have a resolution. the GM XXXX XXXX never answered any of my calls. I got 2 automatic email congratulating me on the new car and gave me $! XXXX rebate and free tire rotation. They absolutely a bully.
I am reaching out to you through this email and I am kindly asking you to find a solution. There are ethic issues with the way the contract was handled. All I wanted was a new car, If they would practice honesty, good service, respect I would have been a satisfied customer. I hope to hear back from you soon.
Kindest Regards, XXXX XXXX XXXX
|
| 12/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
HARDSHIP LETTER To GM Financial Corporate Office Today is XX/XX/XXXX and I still have not received any kind of response regarding XXXX XXXX arguments against his car loan. He feels that GM is not willing to do anything but begin repossessing proceedings against him while he is in the hospital. The doctors have ordered XXXX XXXX to remain in the hospital for an indefinite period until they get his XXXX XXXX XXXX under control.
MY COMPLAINT I am sending a new complaint to Consumer Finance criticizing that agency for indicating that our most recent complaint was a duplicate instead of something new. We strongly disagree with Consumer Finance, and we feel that 'GM Financial never responded to the concerns that XXXX XXXX has such as : ( never responded ) Failure to respond to XXXX XXXX in a timely manner. Failure to move the outstanding balance to the end of the contract. Failure to recognize XXXX XXXX 's illness. GM wants to repossess the car instead of coming up with a reasonable plan and working with XXXX XXXX. Failure to respond asking for an extension of payments until XXXX. Failure to respond to the fact that XXXX XXXX will be in the XXXX for an indefinite period. I think Consumer Finance is wrong in saying this is a duplicate, we are very frustrated with them that they ( consumer finance ) did not do anything to help me, instead they went along with GM which I think was wrong. What good is this agency when it's one sided, it appears that we ( consumers ) are not being heard and not having our concerns addressed by both parties, again this is not a duplicate.
The Consumer Financial Protection Bureau ( CFPB ) received your complaint or inquiry. The information you provided or was provided by a referral from another government agency on your behalf will permit the CFPB to respond to your complaint or inquiry about companies and services that we supervise. Information about your complaint or inquiry ( including your personally identifiable information ) may be shared with : the entity that is the subject of your complaint ; third parties as necessary to get information relevant to resolving a complaint ; a court, a party in litigation, a magistrate, an adjudicative body or administrative tribunal in the course of a proceeding, or the Department of Justice ; internal CFPB parties or other federal or state agencies or regulatory authorities for enforcement and statutory purposes ; and with contractors, agents, and other authorized by the CFPB to receive this information. We may also share your complaint or inquiry ( but not your personally identifiable information ) with the public through a public complaint database.
The collection and use of this information is authorized by 12 U.S.C 5493 and will be treated in accordance with the System of Records Notice ( SORN ), CFPB.005 Consumer Response System, 83 FR 32640.
Submitting a complaint is voluntary. Government agencies can refer complaints automatically to the CFPB as authorized by law. You are not required to share any identifying information ; however, if you do not include the requested information, the CFPB may not be able to process your complaint. If you have questions about the status of your complaint or want to withdraw your complaint, call ( XXXX ) XXXX XXXX XXXX needs some much-needed help with GM Financial and some much needed time, He found out today he will remain in the hospital for an indefinite period of time and he wants XXXX to make some kind of payment arrangement, please do not talk repossession because he is suffering from a XXXX XXXX XXXX as XXXX XXXX XXXX and it causing a lot of problems pumping blood to other parts of his body. His body is deteriorating with this condition, and he needs to know what happens to the vehicle if he passes away. The doctors are concerned about his condition, and the thought of repossession is causing XXXX XXXX a lot of stress. Please can you come up with a reasonable plan because he does not know how much longer he must live. We are asking all GM Financial for some kind of assistance. He is sending you my most recent financial and health hardship letter because he wants to explain to everyone why he was late with payments.
We are very concerned about his past due payments and one of the reasons he is late is because he suffered a XXXX XXXX XXXX. The attack was very serious which caused him to have XXXX XXXX XXXX. Due to the seriousness of his XXXX XXXX, he is facing financial hardship.
He does agree on three principal short-term goals such as : make my payments as agreed by a payment arrangement, lower my monthly payment, and correct the errors shown in my credit report which need immediate attention.
Another serious reason for asking for assistance is due to his wifes health condition, she had a XXXX XXXX, unable to walk, this has caused a heavy burden on XXXX XXXX trying to balance their lives.
We have been communicating with most of his creditors to explain why he was late on my payments. We told them that XXXX XXXX suffered a third XXXX XXXX which caused a loss of job and valuable income ; my earnings to make the car payment has been reduced. To improve his standing with all his creditors and place a positive note on this, he will listen to everything that is placed on the table but one item that needs to be discussed thoroughly, its his monthly payment, its too high and he simply can not afford that kind of payment.
From a doctors point of view, Regarding XXXX XXXX XXXX XXXX, it is very serious ; the family doctor diagnosed him as having congestive XXXX XXXX and an XXXX problem. To offset this, XXXX XXXX has a XXXX and pacemaker implanted in his chest. The doctors greatest concern is that his recovery from a third XXXX XXXX has been very slow, and stills suffers from XXXX XXXX XXXX which is monitored weekly by a monitor which transmits to the cardiologist daily his heart beats, rhythms, and pictures. XXXX XXXX is pumping only 30 % blood capacity throughout his system, and this is why its important to keep monitoring his daily activities.
Meanwhile, due to the XXXX XXXXXXXX and XXXX XXXX and slow recovery, XXXX XXXX lost the job he had for twelve years ; his income dropped considerably which caused him to become late in making his car payments.
The doctor states in his assessment that XXXX XXXX is unable to perform activities as before because of multiple medical co-morbidities, slow recovery from bypass procedure and exceptional shortness of breath.
XXXX XXXX is also suffering from XXXX XXXX. He underwent XXXX XXXX on XX/XX/, the doctors removed his prostrate, according to his doctor.
In summary, his wife and XXXX XXXX are undergoing serious health and financial hardship issues, this is why we are asking for some assistance, he wants to keep the car and please no repossession. XXXX XXXX is working on making two payments, and this has been difficult for him because of his XXXX XXXXl stay. He is unable to perform any kind of duty. He apologizes for the inconvenience this may have caused, but he does recognize the problem, and furthermore, he also knows that his attention has been on his health issues instead of his finances, which he wants to change.
XXXX XXXX
|
| 08/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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Was contacted by GM Financial 's collections department on or near XX/XX/18 or mid XX/XX/XXXX. Call was in regards to my XX/XX/XXXX payment of {$250.00} & XX/XX/XXXX payment of {$250.00} that they stated I was behind. I advised the represenative that I am aware that my due dates are the 1st of each month and have been paying toward the end of each month including an extra {$12.00} to cover any late fees. I explain that my 1st check of each month always go to my rent and that I pay all my other bills on my 2nd check in each month and that maybe a change in my due date would help. I was told that I am unable to change my due date because I was behind. I informed rep as well that I would pay XX/XX/XXXX & XX/XX/XXXX payment including the {$12.00} late fees for both payments making total for me to pay of {$530.00} by XX/XX/18. Rep then advised that she could bring me current threw a deferment that I qualify for and said that this would be my final deferment for the year. I advised rep that if this would be my final deferment I would rather wait until I really would need it and was prepared to bring my payments current as stated on XX/XX/18. She then said that because XX/XX/XXXX payment would become due on XX/XX/18 she recommended again the deferment and said it would include XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment and said that would bring me current and not to change due date because now that I am current, if I usually pay toward end of each month my payments moving forward would actually be early instead of late. It made sense to me and I ok 'd rep to process deferment. Rep advised that I would have to make a deferment payment of {$170.00} which I informed her could not be made til XX/XX/18 which she said is fine and to call back once payment was made to process the deferment. I ended up getting off work on XX/XX/18 at XXXX and did make the deferment payment of {$170.00} on XX/XX/18 there after I called GM ' Financial customer service and spoke to a rep to make sure they saw the payment made of {$170.00} which she confirmed that she did see and to call back on monday XX/XX/18. I called customer service on XX/XX/18 and rep acknowledged that they received my deferment payment and rep confirmed that it would cover XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment. Rep also stated that I will not get any bill in XX/XX/XXXX and to continue on time with my normal payment of {$250.00} as of XX/XX/18. Around mid XX/XX/XXXX I receive a call from GM 's collections department stating that my XX/XX/XXXX payment of {$190.00} is due? When I explained the whole matter about the deferment I was given by rep and had paid, they simply said that was wrong info and that I owe {$190.00} for XX/XX/XXXX? I requested for a manager and did speak to manager name XXXX. I explained everything to her. I advised that I did not receive any bill for XX/XX/XXXX like the rep who processed my deferment stated and that the only thing I had received was a letter stating they received my deferment payment of {$170.00} and that the deferment was processed and mentioned to manager that I was also concerned that the deferment letter did not show the months I am defered for. Manager then said that Delaware state laws states they do not have to provide that info. I also advised her that my normal payment each month are {$250.00} and if they are stating I only owe {$190.00} for XX/XX/XXXX how was that possible. Manager advised because of an over payment made in XX/XX/XXXX? She also stated that the deferment only covered me for XX/XX/XXXX and XX/XX/XXXX payment? I informed her how was it an over payment made in XX/XX/XXXX when I was told deferment was to cover me for XX/XX/XXXX, XX/XX/XXXX payment. Manager started getting fustrated with me said bottom line is that I owe the {$190.00} for XX/XX/XXXX. I advised that I will not pay {$190.00} and that I need this straighten before any other payments are made and also that I will file a complaint with the CFPB. When I mentioned that her whole additude changed stating that she was willing to waive any late fee 's etc. I advised her that I will call back to speak to someone higher than her. On XX/XX/18 I called in to Gm Financial and asked to speak to someone higher than a manager, then the same manager XXXX was online and I advised her that I wanted to speak to someone higher than her and she said that she would transfer me to the SR. VP of consumer affairs for their company, party name was XXXX . I was forwarded to her voicemail and had requested a return call on XX/XX/18 and advise best to reach me by XXXX or XXXX est and would take a lunch break to discuss this with her. I received call from XXXX on XX/XX/18 at around XXXX-XXXXest. I explained everything to her. XXXX admitted that she did see notes that rep did state that deferment would cover me for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and also saw that I was told to pay the deferment amount of {$170.00}. But stated that was wrong info that the rep gave me. She basically stated the same thing that they will not honor the original deferment agreement that their rep offered me? I informed her that she should have listened to the calls first before calling me and also should have had the info on why they are stating I owe {$190.00} for XX/XX/XXXX. She said she did not have my info in front of her, which I found strange because she was aware that she was calling me back in regards to a complaint. She asked me to give her time to listen to the call and gather all her notes and we scheduled to speak on XX/XX/18. I received call from XXXX on XX/XX/18 and she stated that the President of the consumer affairs department sat down with her to pull those calls but none of them was recorded? And that he ruled that XX/XX/XXXX payment of {$190.00} was due. I asked if she looked into the over payment they stated was made in XX/XX/XXXX that caused me only to owe {$190.00} for XX/XX/XXXX payment. And she said she did not have the info in front of her. When I questioned about the over payment advising her that if I paid in XX/XX/XXXX why did rep offer the deferment if all I owed was XX/XX/XXXX? XXXX then started to be impatient with me because she could not answer my question and said she would mail me my payment history. I advised her that even after all this as a customer who did exactly what rep advised me to get me current was a waste of my money because I am still behind. I advised XXXX that as a customer and even with her admitting that she saw the notes where the rep confirmed that I would be covered for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, you would think that they would do the right thing and honor the deferment agreement that I was given. She advised that they would waive any late fee 's but that I still owe {$190.00} for XX/XX/XXXX. I advised her that I will file complaint with the CFPB. She said if I have attorney to have them call in. I did receive payment history which I did include, along with my bill dated XX/XX/2018. I noticed it shows I made a payment in XX/XX/XXXX of {$270.00}. I went to XXXX website to see if other customers have experienced this and there was several of the same complaints filed.
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| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Dear Consumer Financial Protection Bureau ( CFPB ), Re : GM Financial I am writing to you to make a complaint against GM Financial ; My complaint pertains to their handling of my vehicle financing ( Acct number XXXX ) which as per the XXXX XXXX XXXX has raised concerns of potential violations with security frauds and tax evasion.
My promissory note and certificate of indebtedness was securitized by this company, they also received a CUSIP number and engaged in trading activities on the secondary market. GM Financial has also failed to provide my lawful 80 % of the proceeds from the securitization of my note on the secondary market. I previously sent GM Financial ( XXXX ) XXXX XXXX XXXX a rescission notice that referenced ANY and All Security agreements with GM Financial. The notice was delivered on XX/XX/XXXX, XXXXXXXX XXXX via Certified mail # XXXX XXXX XXXX XXXX XXXX.
GM Financial continually fails to set-off the debt of the said note above, subsequently to the above I sent a registered security to both : GM Financial XXXX Delivered to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX via XXXX GM Financial ( indenture trustee ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX via XXXX GM Financial continues to request that I pay back the interest they borrowed for the US Treasury. I am writing to bring your attention to the compelling evidence brought to my attention via a Forensic Loan Securitization Analysis Report that substantiates the presence of Securities Fraud related to my auto loans. The evidence at hand not only highlights the existence of irregularities by the Employment of Manipulative and Deceptive Practices but also underscores the need for a thorough investigation and resolution of this matter.
CUSIP Number : A crucial piece of evidence is the presence of a CUSIP ( Committee on Uniform Securities Identification Procedures ) number associated with my auto loans. CUSIP numbers are unique identifiers used in the securities industry to track financial instruments, including securities. The fact that my auto loan has an associated CUSIP number strongly suggests that it has been securitized, implying that it may have been bundled with other auto loans and sold as a financial product to investors. This is a key indicator of securities fraud when such securitization is not properly disclosed.
My auto loan was not handled in accordance with the law, leading to a breach of my rights as a borrower and potential harm to investors. Despite the clear indications that the notes are being sold or transferred, given the nature of the situation I have reason to believe that these transactions are not being reported to the U.S. Securities and Exchange Commission ( SEC ). The failure to report these transactions raises questions about compliance with the regulatory framework established to govern the securities industry. When financial instruments, including auto loan notes, are transferred, it is essential that such transactions be accurately and promptly reported to the SEC. This reporting is a fundamental requirement. Given the circumstances, it raises suspicions that any non-disclosure or failure to report may not merely be a matter of oversight, but rather a calculated maneuver to evade regulatory scrutiny.
GM Financial unauthorized sale of securities alone, conducted without the clear and informed consent of the rightful owner, unequivocally amounts to a severe violation of securities laws and regulations. It represents a blatant disregard for investor protection, and it flagrantly undermines the very core of securities markets. The perpetration of such a violation leaves no room for ambiguitythis is an undeniable breach of securities law and a clear case of securities fraud. Upholding the principles of securities law, safeguarding ownership rights, and ensuring investor interests are paramount in addressing this egregious misconduct.
I have reason to believe that GM Financial is channeling my funds to service the interest on securities associated with my auto loan note, securities actively traded on the secondary market. This raises profound ethical and legal concerns, particularly when the auto loan debt is, in fact, fully discharged. This situation underscores the pressing need for transparency, legal remedies, and accountability. The borrower, unwittingly ensnared in this labyrinthine web, deserves nothing less than complete disclosure and resolution of this intricate and deeply concerning financial matter.
GM Financial seeks total return by investing in investment grade auto loan-backed securities or unrated auto loan-backed securities ( ABS ) which the adviser determines to be of comparable quality.
The issuance of auto loan-backed securities without the borrower's/investors knowledge or the creation of a CUSIP number without proper disclosure constitutes fraud. Here 's how it works : Securities Laws : Securities laws i.e Securities XXXX of 1933, and Securities and Exchange Commission ( SEC ) Regulations require issuers to provide accurate and complete information to investors. If auto loan-backed securities issuers, including banks and financial institutions, do not disclose the securitization process and the assignment of CUSIP numbers to borrowers, it is a violation of these laws.
Lack of XXXX : In securities markets, transparency and full disclosure are paramount. When car owners take out auto loans, they generally enter into agreements with their lenders. If their auto loans or notes are later bundled into auto loan-backed securities and traded as securities, the car owner should be made aware of this process and the potential risks involved. Failure to provide this information is considered fraudulent concealment.
Misrepresentation : If the creation of ( ABS ) and the assignment of CUSIP numbers are not properly disclosed to borrowers, it is misrepresentation and omission of material information. Borrowers have the right to know how their auto loan contracts XXXX be affected by securitization.
Risks for XXXX : The lack of disclosure and transparency in the securitization process can create risks for investors, including mutual funds, who invest in ( ABS ). If the underlying securities are subject to legal challenges due to non-disclosure or misrepresentation, it can lead to financial losses and damage to the reputation of the investors.
In summary, if borrowers/investors are not aware of the securitization of their auto loans and the assignment of CUSIP numbers to the related securities, it constitutes fraud due to non-disclosure and misrepresentation. Borrowers ( which are actually the investors ) have a right to know how their auto loan agreements are being packaged as securities and traded. Such non-disclosure can lead to legal consequences for the parties involved and pose risks for investors in these securities, such as the borrowers themselves or mutual funds.
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| 08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX, of full age, certifies and says: 1. I am the FORMER co-signer in the within matter. As such, I am fully familiar with the matter herein to make within the complaint department in support of the individual’s request to enter a formal complaint through The Consumer Financial Protection Bureau against GM Financial, XXXX XXXX XXXX XXXX XXXX, TX (XXXX) XXXX and XXXX. 2. On or aroundXX/XX/2019 through XX/XX/2019I had received an email notification through XXXX XXXX, XXXX XXXX and XXXX that the account for a XXXX XXXX was CLOSED. (account number XXXX where XXXX XXXX (XXXX) XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, was the primary and I was the co-signer)3. This said account was reported as CLOSED removed from my credit score as stating that it was paid off in full and that there was a $0 balance. 4. Following the aforesaid, another email was sent stating that the account was finalized onXX/XX/2019. This information was also confirmed with a GM customer service rep. 5. Without my knowledge or any paperwork from GM financial, the account was reopened stating that there was a $XXXX balance and is showing up as a “car loan” on my XXXX XXXX credit score only, thus dropping my score 8 points stating that it was a missed payment. My information was reused and submitted by XXXX XXXX XXXX in XXXX XXXX. NJ and GM financial without my consent and the loan was reopened on or aroundXX/XX/2019 now saying, “payment pending”. 6. On or around XX/XX/2019, I had called GM Financial and spoke to a customer service rep named XXXX, who proceeded to tell me that what happened was “none of my business and that there was a balance on the old loan.” 7. Following the aforesaid, I asked how XXXX XXXX was allowed to terminate the lease early without my knowledge and drive off of the dealership lot with a new car without having paid this said balance of $XXXX for two months or negotiating it into the cost of her new loan, but to no avail.8. In furtherance of the above, it is quite obvious that XXXX XXXX made some kind of “deal” in order to obtain and lease or refinance a vehicle, again without my knowledge. 9. As such, on or around XX/XX/2019 I contacted XXXX XXXX where she clearly said that it was for over mileage and nothing more. 10. Thereafter, I was told by XXXX, the GM customer service rep, that the car was already sold at auction but they got less than the asking price, so that balance of $XXXX must be paid.11. In furtherance of the above, I had told XXXX that I knew nothing about this, but he went straight to making a threat about my responsibility for paying this said balance in full or I would be put into collections and any missed payments would show on my credit report.12. Moreover, I continued to ask who is going into collections , why I was NEVER notified of any of these dealings and why I have not received a single document about the termination of the loan or how I am responsible for this balance owed, again to no avail. 13. In furtherance of the above, I was told that I don’t have any right to know anything, but I am being threatened with collections and now this balance has reappeared on my XXXX XXXX credit statement as a “car loan” after it had been officially CLOSED on XX/XX/2019. 14. On or around XX/XX/2019, I filed a complaint with the Consumer Financial Protection Agency letting them know that the loan was closed, removed from my credit reports, then re-opened using my personal information without my knowledge, without my consent and mostly without any written documentation.15. Moreover, I filed a dispute with XXXX who is claiming that the account is closed, but it is still showing up on my credit report. 16. Moreover, GM Financial and their authorized dealership worked out a deal with XXXX XXXX about the vehicle but made a mistake by misjudging what it would sell for at auction. 17. I asked that GM Financial send me this paperwork about the closed account and why it was re-opened, but to no avail. 18. I again filed a dispute with XXXX XXXX to have this balance removed from my credit report, but to no avail as it is still showing up on my credit report.19. GM financial has a habit of refusing to notify people of any type of changes to their accounts for months or not at all, but expects full responsibility for payments in full and will resort to threats or extortion of funds and claims that they are “unaware” of anything. 20. I have suffered significant XXXX, XXXX strain and a major hit to my credit score as a result of the mentioned parties aforesaid actions. 21. The mentioned party will make an attempt to strong-arm me for payment instead, put me in collections or put a missed payment on my credit report as a sick, twisted way to manipulate me. 22. I attempted to contact all mentioned parties to inform me or help my settle this issue, but to my detriment I have been significantly harmed as a result of same. 23. GM financial responded to my original complaint to CFPB but completely avoided the issue at hand and simply regurgitated information from the XXXX lease, thus never answering as to how closing and account, removing it from my credit statement, then putting it back as they see fit , claiming to have no knowledge of what’s going on.24. As such and as a result of the above, I want the GM financial account removed completely from all of my credit reports effective immediately. Thus I am seeking to file a complaint against all parties for lack of performance in handling this matter to which they are liable and for threatening collections or a financial lien against me, as this situation was completely out of my control and negotiations were made without my knowledge or consent.24. GM Financial and their authorized dealerships should be fined for fraudulently reusing my information without my consent to re-open an account that was already closed and removed from my credit history. 25. In furtherance of the above, GM financial is making it seem as if I am the only person on the loan, as only my information is showing up on the bill for payment. I certify that the foregoing statements made by me are true. I am aware that if any of the foregoing statements made by me are willfully false, I am subject to punishment. XXXX XXXX XXXX ALL DOCUMENTS ARE ATTACHED
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| 09/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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This is not a duplicate I purchased a vehicle from XXXX XXXX in XXXX, PA on XX/XX/XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) did not received the title on this vehicle and I have not been able to register or drive it.
We received the registration in XXXX. However, XXXX XXXX have not held up it end of the bargain as far as getting the check engine problem fixed and he provided a receipt of " we owe. '' After we filed a complaint with consumer complaint he went into action. On XX/XX/XXXX he called and agreed to take a look at why check engine light was on for 3 months. He told me to take it to XXXX XXXX XXXX. I took the vehicle on XX/XX/XXXX at XXXXXXXX XXXX. I left my vehicle and my witness came to pick me up. I kept in contact with XXXX the owner of XXXX XXXX he assured me he was going to fix the check engine and check on the issue.
I communicated with XXXX daily, when it was time to pick up my car XXXX also said I have a massive leak in the front of the engine. On the XX/XX/XXXX I picked up my vehicle with an attachment of a nightmare, because XXXX tried to charge me {$55.00} for maintenance. When I refused, he said was not releasing my vehicle. My witness and I had to call the police to get my vehicle back, as well as call XXXX. When I contacted XXXX, he communicated with XXXX to release the car and he will pay for everything. He also stated he will investigate and take care of why the check engine like is staying on.
After this ordeal it has been very difficult to get in contact with XXXX. He has been giving me the run around. And nothing has been resolved. I contacted him today and he stated he would fix the problem. I believe it is too late. As of XX/XX/XXXX I had to tow my car to his dealership, because I was informed that my car died. I have a warranty that is not helpful and a dealership who sold me a vehicle that stop working after 3 1/2 to 4 month. And I know is a law against that, I am not sure where to start. Hopefully your agency can lead the way. I want to continue be proactive in my complaint filing.
I have now found the dealership and I drove the car to the location with a promise he would provide a loaner. I drove an hour to his location and no vehicle was provided. I am paying for a vehicle I can not drive. Because it was faulty and dangerous. I almost died, because my vehicle stopped in the middle of the road. And with my belief system in XXXX who sold me the car to drive. And he assured me it was going to be okay. It left me stranded for 3 hours.
After I got my vehicle back after a month. When he returned my car on XX/XX/XXXX, my key fob was damaged. He had me take it to XXXX to get is diagnosed and it was the shifter out of place. Because it was so expensive, he didn't want to get it fixed there. So, he agreed he would get his mechanic to fix it, it is now XX/XX/XXXX and the battery light is on and my car make a loud screeching noise. This was my first car and I have been hoodwinked. He had I regret I buying a vehicle from this establishment. If you do, you will be stuck paying a car note on a Lemon. And my car will night pass inspection in XXXX. Every time I get my car back within days it breaks down again. And I back to chasing XXXX to keep up with his promise in writing that he will fix my car. It is now XX/XX/XXXX and he still has my vehicle. I had 12 tow incident from XX/XX/XXXX until XX/XX/XXXX.
It is now XX/XX/XXXX and my vehicle is still being held by XXXX XXXX. He said he is getting the vehicle fixed and he has not be communicative. I reached out to him on Friday XX/XX/XXXX. And he has not responded.
It is now XX/XX/XXXX and I am still without a vehicle. And I am afraid he will not fix the vehicle correctly. At this point I am in fear of driving the vehicle if he doesnt fix the oil leak correctly and the alternator belt along with th shifter.
As of now the vehicle is now down again. And the warranty that came with the vehicle is not valid.
The issue is still ongoing. And I dont believe it will change. The vehicle is still with the dealer. And I am not getting any resolution. As of today I am still without a vehicle it is XX/XX/XXXX. He is doing patchwork on the vehicle instead of getting it fixed correctly. I need to be pointed in the right direction. I want this issue resolved. He constantly make promises he doesnt keep. His business should be cited. His practices and ethics are incorrigible. I received a violation on the XX/XX/XXXX on my vehicle and I didnt have possession of my vehicle. I no longer want to do business with him or should I be responsible for a loan. I have approach him on several occasions. I am losing money due to the horrific experience with this vehicle. It is hard to make ends meet. I am losing a lot of money, I travel for work and without a vehicle I have not been able to get to my jobs.
I dropped off my vehicle on XX/XX/XXXX to get serviced. I was provided with a loaner. However, the loaner need oils, and the engine needs to be serviced. It has been a month and my vehicle has not been worked on. Is there anyway I can get out of the vehicle, it has not been operable for a almost year. I am absolutely terrified to drive the vehicle, it has been time that he claimed he fixed my vehicle and it would break down in the middle of the road and it leaves me in dangerous situations when I travel with my vehicle. I get XXXX XXXX not knowing what will happen when I get my vehicle back. The oil leak, shifter and and engine issues, still has not been addressed. I have written proof starting my vehicle has been completely fixed. And when it is returned it still has issues. I dont trust this vehicle, I am afraid to drive it.
My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.
I want to be released from the loan, without a repossession. And I dont want it to show up for as a reposession. I want to be reimbursed for all my car payments and my XXXX beetle that I paid {$7000.00} for and they only took the trade for {$2000.00}. And also for lost wages at work which was XXXX. I used vehicle for work. I am a XXXX XXXXXXXX and I need a consistent running vehicle. This vehicle has been a night mare. He keeps giving me broken promises in writing and they are not getting fulfilled. It has impacted my finances and XXXX XXXX of my car constantly breaking down. I would like to sue for loss wages and XXXX XXXX. And plus the value of the car {$16000.00}.
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| 11/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom It May Concern : RE : ACCOUNT- XXXX Going over my credit report ( s ), I have found an error. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, and XXXX.
Your company is required by the FDCPA to provide all of the following information this is now fully required by tort law precedent - XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, -- - XXXX XXXX -- - ( XXXX XXXX. XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ).
Please supply the information below because I believe that your firms handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ).
1. Provide me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}.
2. Provide verification and documentation that there is a valid basis for your firms charge-off of this alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 3. Provide copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt.
4. State the maximum delinquency and when it was charged-off.
5. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the XXXX personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security number ( not truncated ).
6. Identify the date of the last payment made on this account and the amount of that payment.
7. Provide how you made a determination on this account within the statute of limitations applicable to it? Provide me when you think the statute of limitations expires for this debt, and how you determined that.
8. Describe in detail your firms charge-off procedures as they apply under the SarbanesOxley Act of 2002 ( Pub.L. 107204, 116 Stat. 74 ).
9. Provide an itemization showing the dates and amount of each added amount If there have been any additional interest, fees, or charges added since the last billing statement. In addition, explain how the added interest, fees or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law.
10. Provide an itemization showing the dates and amount of each payments or other reductions since the last billing statement, of them and how those reductions or payments were accrued in your firms charge-off procedure.
11. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed.
12. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. If your firm OUTSOURCES your XXXX data-entry provide the name, contact address and location of that firm.
13. Does the responsible data-entry firm or department prescribe to the XXXX XXXX for XXXX XXXX XXXX standards for quality and if so what is the adjunct certification number and date?
14. Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the XXXX format and if there have been any recent issues ( last XXXX XXXXears ) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency .
15. Based upon information provided by at least XXXX credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this account is very high, therefore, please provide the LAST XXXX Complete METR ) XXXX updates submitted to all three Credit Reporting Agencies on this account ( In XXXX XXXX format including COMPLETE XXXX and XXXX with FULL End-Trace ).
16. If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of Respondent Superior.
If your firm CAN NOT produce ALL of the above noted documentation in the allotted time frame, I will accept a written notification that you are suspending this account status. Said notification must INCLUDE a formal stipulation withdrawing your claim to this consumer account and your firm must note that you WILL not continue reporting the alleged debt or sell this debt. The WRITTEN NOTIFICATION must also be provided to all the major Credit Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ). If you provide such written notification I will agree not to pursue immediate regulatory action and drop any further legal actions.
I require a response, on point, in writing ( a statement under penalty of perjury included ), hand signed, and in a timely manner. Your company was put on notice of the enforcement of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and that your company will meet all these requirements or face a possible regulatory action leading to the suspension of your operating rights for NON- COMPLIANCE. Your company has XXXX ( XXXX ) days from date received to PRODUCE ALL of the requested documentation of your reporting procedure and standards. If I get a pointless letter from your company, or you company can not, or chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious and inaccurate activities-see XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Sincerely, XXXX XXXX XXXX : XXXX, XXXX, XXXX
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| 07/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I leased a XX/XX/XXXXXXXX XXXX with GM Financial on XX/XX/XXXX. On XX/XX/XXXX I went to a dealer to return the vehicle. I returned the vehicle, received a receipt of its return from the dealer. The dealer was not the dealer the lease was originally made at since the vehicle was leased in XXXX and I moved to XXXX.
A week later, I called GM Financial due to a charge as if I was still paying monthly vehicle payments and they said I had a 39 month lease, not 36 month lease. I called the dealer to get the vehicle back and after a week, I got the vehicle back. About a month later I receive a bill with a XX/XX/XXXX billing date and XX/XX/XXXX billing date stating that I was late on the payment of the previous month and was being charged for both month, a total of {$910.00}. This was strange since I had automatic payment. I paid immediately since it was strange to have such a large payment, but I paid it anyway since I knew there were 3 payments left to make on the loan. I call GM financial and find out that they dont even know I have had the vehicle for almost a month since getting it back in XXXX. GM Financial told me that the account was closed because the vehicle had been turned in and it still shows as grounded. At that time, I explained the vehicle had been turned in by mistake and that the account cant be closed because I still have the vehicle. GM Financial tells me that it must have been a mistake from the transport department to the account department and were never told the vehicle had been ungrounded. On XX/XX/XXXX, I noticed the last payment for XX/XX/XXXX has not been deducted from my account. I call GM Financial and I am told that automatic payment had been cancelled since the vehicle was turned in back in XX/XX/XXXX. I informed them that they never notified me that automatic payment had been cancelled, nor did I ever receive a physical bill for that month. I pay the last payment and thought I was done with GM Financial.
On XX/XX/XXXX, I turn in the vehicle and receive a receipt from the dealer of it being turned in. Three weeks later I receive 3 letters from my credit monitoring that I have a delinquent account with an alert of XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX for a balance of {$0.00}. I call GM financial and the person tells me they are not a credit advisor and they see nothing in relation to my credit. I tell them I have the letters in front of me, so how could they not have it in their system. The lady tells me that its because I have not paid the cost of wear and tear on the vehicle. I do not recall the exact amount she said I owed them, but it ranged around ~ {$400.00}. I tell her I never received an invoice and if I receive an invoice I can not pay it. The lady said that until the vehicle sells at auction they cant send an invoice. I asked why I would have an alert on my credit for a payment I cant make yet because I have not received an invoice. She again said that she was not a tax advisor and I had to wait for the vehicle to sell at auction for me to pay.
In wait of the final invoice for wear and tear I receive 3 other letters with credit alerts with dates of XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX and XXXX. I call GM Financial again and I am told that their system shows the vehicle was turned in on XX/XX/XXXX. I tell them I returned the vehicle on XX/XX/XXXX and I have the receipt from the dealer. They tell me that I need a dealer at fault letter because GM Financial says the dealer grounded the vehicle on XX/XX/XXXX. I call the dealer and they check the system to which it shows that the vehicle was grounded on XX/XX/XXXX. I call GM Financial again and inform them of this and they say they cant do anything until a dealer at fault letter is provided. I call the dealer back and inform them of this ; the dealer calls their contact for GM financial and I receive a call from GM financial trying to get the story of what happened straight. The lady tells me she will call me back within 48 hours to inform me of the situation, but never receive a call from her. A week later I call GM Financial yet again, explain the whole situation and what has happened and that I never received their call. I ask about the credit alerts and at that time they tell me its due to the late payments, to which they told me that the automatic payment for due date of XX/XX/XXXX was charged automatic, but the payment was cancelled by them because the account showed as closed at the time. I yet again inform them that no bill was ever sent. They tell me they will investigate it and call me back. A few days later I call again since I did not hear back, and I yet again explain the whole story. The young lady, XXXX, tells me to send her the receipt from the dealer and that she will take care of it. I email her the document, but do not hear from her about receiving it. On XX/XX/XXXX, I call back a few days later and I speak with a lady named XXXX. I explained what I explained to XXXX and she said that she does not know who XXXX is or what she told me. She finds her in their system and tells me that they are different departments and that whatever she might have done, she can not see what XXXX did. XXXX tells me I need a dealer at fault letter and I explain again that I returned the vehicle on XX/XX/XXXX and the dealer grounded it on XX/XX/XXXX. She said they can not fix the credit alerts until I deliver them a dealer at fault letter. I call the dealer and explain what GM Financial has just told me and they said they had to call GM Financial to figure out what is going on. I receive a call from GM Financial a few hours later and I am told that the credit alerts are due to the late payments and that its my fault I didnt confirm that the payment had gone thru. I explain that I never received an invoice after they cancelled automatic payment so how was I supposed to know. I mention that I paid the {$910.00} as soon as I received the notice in the mail. She tells me that I received a call on XX/XX/XXXX about the payment, but I dont recall the call. I asked to show me the recording and the lady said she could not get the recording. I ask her to tell me all the payments I made, but she said I she can not do it over the phone and she has to send me a physical letter. I receive the letter and notice charges for XX/XX/XXXX of {$1000.00}, {$610.00} and XX/XX/XXXX for {$440.00}. None of these charges make sense, I do not know what they are for, nor have I received a paper bill.
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| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I've reached out to GM Financial various times regarding this issue. My lease has been extended through XXXX. In the month of XXXX GM Financial reached out to me multiple times to see if I had received the extension document in the mail. In multiple calls I let the rep know that I had not received the document yet and as soon as I received it I would email it over. I proceeded to ask the rep what the status of my account was and whether a payment was due because when I log in online it shows a payment due date of XXXX XXXX, XXXX. Since I could not rely on the online system to determine whether I had a payment due, I asked each rep I spoke with whether or not my account was current. I was advised in multiple calls that my account was current and up-to-date. Sometime after XX/XX/XXXX I was contacted by a rep letting me know that my account was past due. I asked how that was possible when multiple reps had advised that the account was current. Apparently, because the extension form was not yet in the system, the system was not up-to-date, neither online nor in their system. I understand that timely payments are to be made on the account, but since I could not rely on the online system to verify whether I had a payment due, I relied on customer service to give me accurate information. There has been a lag with the extensions and it's hard to keep track of the payment schedule. Hence, why I asked the question to begin with. Even customer service, couldn't keep track because multiple reps advised me that I had no payment due even though they were aware that I was extending the lease and waiting for the documentation to arrive. After several attempts to speak with a supervisor, I was advised that all supervisors were in a meeting but that one would reach out to me. That never happened. Finally On XX/XX/XXXX I spoke with XXXX ID # XXXX who advised that supervisor XXXX XXXX would call me within 24-48hrs to discuss the issue. Apparently XXXX was finishing with end-of-month reporting and could not speak to me at that moment but she would reach out. I spoke with another representative the following week who advised XXXX was not available but to try again later in the evening as she was on the late shift that day. It's really unprofessional that a customer has to keep reaching out after being promised to be contacted. The wait holds are very long and I've had to explain the situation each time I call in. Finally today, XX/XX/XXXX I speak to rep XXXX in the CXO department who was very nice and was able to get me through to Supervisor XXXX XXXX ID # XXXX. I spent over an hour on this call trying to get this issue resolved. XXXX proceeded to go into the history of the extension fiasco and justify the reasoning for the late credit reporting. Not even interested in the fact that multiple reps advised that my account was current. I simply asked that she or any supervisor review the multiple phone calls so they can hear it for themselves. If I can not rely on the online system to tell me the status of my payments, than obviously I rely on customer service reps to provide me with accurate information. Especially since they knew I had a pending extension and was simply waiting for the corresponding documentation to arrive so I could email it back to them. XXXX advised me that she would look into it and get back to me. We spoke a few hours after this call and she again proceeded to give me the whole history of the extension requests which to me has no relevance seeing as how the extensions were approved. She wouldn't even listen to the phone calls to verify what I'm saying. My last conversation with XXXX was today XX/XX/XXXX at XXXX lasting 27 minutes, which I recorded. She spent much of the time going over the extension documents and confirming dates of when things were sent or received, etc. Nothing to do with representatives advising me that I had no payment due. Everyone is aware the Post Office has been backed up. As of today they still have an alert on their website apologizing for the delays due to unprecedented volume increases and limited employee availability. I can not control how long it takes for me to receive the document in the mail. It seems to me GMFinancial doesn't want to accept fault for their mistake. If customer asks about the status of their account and whether a payment was due, and they advise the customer that there isn't one due, why would I think any different. If customer service can't provide accurate information why is that my fault? XXXX continues to cite that the issue is the extension documentation lag time. She even had me send her proof of the multiple emails I sent to GM that they never received/documented. Again, I don't understand the relevance. Any rep who knows I have a pending extension should be able to go into my account and advise me of any pending payments coming up due or due at that moment. The same way XXXX advised that even though they're waiting for XXXX 's extension documentation, and they can't update the system yet, I have a XXXX payment due. It seems to me that instead of looking through the payment history as they should've done, they simply relied on the online system. It's absurd that the representatives who know and understand how their system works, and how an extension can affect a customer 's online account system, could not advise me of this system shortcoming and properly review the account to give me accurate information. They weren't aware I had a payment due and yet they want to penalize me. They can claim that I should've known I had a payment due all they want, but with a demanding schedule sometimes things get blurry and that is why I relied on customer service to help me stay abreast of my account standing. Isn't that the whole point of customer service! Just for reference I'm attaching a picture of what the online system shows me for payments due. And a copy of the emails I sent to GM Financial which they never received. You can see the extension is dated XX/XX/XXXX, and yet I continued to make payments every month even though their system did not show I had a payment due. It's easy to lose track when the online system isn't up-to-date, hence why I rely on Customer service to help keep me informed.
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| 09/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, 1.GM FINANCIAL Account Number:46054*** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days late on XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with GM FINANCIAL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 09/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Unethical Business Practices My name is XXXX XXXX, back in XXXX I financed a used General Motors ( GM ) vehicle from a GM dealership using a loan from GM Financial. The loan had a very high interest rate due to my credit score after a divorce and house foreclosure. Was even pressured into purchasing Gap and extended vehicle warranty for a lower interest rate of 13 %. My payments ( {$560.00} ) were automatically deducted from my checking account, I never missed or was late on a payment.
In XXXX of this year ( XXXX ) I was informed the company I was working for had sold, I was going to be let go. The company cashed me out on the stock they had previously given me. I used this money to pay off my auto loan 2 years early. When I called to pay the loan balance ( over XXXX ), I was told I could only make the payment online. When I went online, I was instructed to mail in the payment verses paying online or over the phone as I had originally planned and/or directed.
The payoff check was mailed via the USPS first class mail to save the extra fees ( $ XXXX USD ). Unfortunately, the mailed check did not clear my checking account until XX/XX/XXXX, the day after my automatic payment cleared my account ( XX/XX/XXXX ).
I did not stop the auto-payments to avoid late penalties if the payoff check was late, like it was.
GM Financial did not reach out to me about the overpayment. I called them on XX/XX/XXXX after both payments cleared and no credit had been posted to my account. I was told that a refund check was scheduled to be cut on XXXX, XXXX XXXX. The refund check included a credit for interest, the total amount to be refunded is {$570.00} Mid XX/XX/XXXX, the refund check did not show up. I called GM Financial and was told they mailed a check on XXXX, XXXX XXXX. I waited a few more days and called again. When I talked to a repressive I was advised a stop payment '' would be put on the on the original check ( no check number available ) and mail a new check ( new check # XXXX ).
XX/XX/XXXX Checked refund status with XXXX XXXX XXXX, was messaged back Were not always able to refund processed payments.
XX/XX/XXXX Text message with XXXX via GM Financial because the 2nd check did not show up. We verified the mailing address and that a refund check was sent out on XX/XX/XXXX XXXX was checking with the refund department and they would respond back within 72 business hours however they never contacted me.
XX/XX/XXXX, text conversation about refund. Asked for additional interest and late fees associated with my personalized loan. Advised the refund will solely be for the amount due and not any added interest XX/XX/XXXX text message with XXXX and XXXX, asked for refund with added interest and late fees XX/XX/XXXX text message with XXXX, XXXX & XXXX about refund check. XXXX asked for me to verify my city and state. She advised in regards to your refund of {$570.00}, I do not show any recent updates but would submit a follow-up ticket to conduct further research. However, once again, they did not contact me.
XX/XX/XXXX Text GM Financial, chatted with XXXX XXXX XXXX. XXXX advised that the refund was sent out on XX/XX/XXXX with no tracking information. They did not call me due to restrictions put on my accounts phone number? The new check should take 7-10 days per XXXX. Filed Complaint with the XXXX & Arizona Attorney General.
XX/XX/XXXX text conversation about refund with XXXX, no update XX/XX/XXXX Text conversation about refund with XXXX who advised me that the check was mailed XX/XX/XXXX, and we again verified the address. I asked for the tracking number and was told that they do not have one. She consulted with a specialist about issuing a new check Another " stop-Payment '' was issued and a new check was going to be mailed per XXXX.
She then noted my account that I requested the stop payment and to issued a new check, she provided the customer service number for further assistance. I asked to file a complaint, she advised that she did it for me.
XX/XX/XXXX Text message GM Financial, no response XX/XX/XXXX Text GM Financial, chat with XXXX XXXX told the check was returned to GM Financial because the address was wrong. We then verified my address, they still have the correct address on file.. New check was scheduled to mail XX/XX/XXXX text GM Financial, was told by XXXX and XXXX " we're not always able to refund processed payments '' case was escalated but never contacted.
XX/XX/XXXX text GM Financial and was told my case was escalated to a specialist and Customer Experience team and to go about my day. I asked to talk to the specialist and was provided a generic customer service phone number.
XX/XX/XXXX Called the customer service phone number because the text method is not going well. The first representative transferred me to a specialist. The specialist tried to locate my case manager and advised that this matter would most likely not be able to be handled over the phone and was again transferred. My new specialist named XXXX advised that the original check from XX/XX/XXXX was not cut or mailed. Only notes in the system. She could not provide a check number nor tracking verification. She then advised me to contact the US post office and file a case for potential mail fraud or tampering. However, this is the only item of mail that has ever been lost. In fact, I still receive propaganda from GM Financial in the mail and never had a problem receiving my invoices. Again, I pleaded for the refund, Im still unemployed, lost the extra stimulus help and ran out of savings already.
Bottom line, XXXX advised she would overnight a fresh check with XXXX. As a consumer and XXXX XXXX XXXX of 13 years whose family only XXXX XXXX XXXX for decades, I wish the federal government would have not used my family and friends tax dollars to bail out this dishonest corporation. Ive invested hours trying to get back a few hundred dollars and feel I should be compensated for this abuse, XXXX and ethics violations Sincerely, XXXX XXXX XXXX
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| 06/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/2018, the complainant expressed interest in the purchase of a car identified as a 2018 XXXX XXXX from XXXX XXXX dealership, located at XXXX XXXX XXXX, XXXX XXXX, MA, XXXX. A Motor Vehicle Purchase Contract was drawn up and handed to him by the salesperson XXXX XXXX to present to the XXXX XXXX XXXX XXXX ( XXXX ) to process the auto loan he had requested for indicating the purchase price as {$55000.00} + Tax and Fees. XXXX bank issued a cheque worth {$35000.00} to the order of XXXX XXXX XXXX, for the vehicle. At the back of the check it was clearly indicated that " Endorsement by licensed Dealership herein acknowledges and guarantees full payment of the vehicle described free and clear of all other liens and the amount does not exceed 120 % of the vehicle retail value ''.
It also stated that, " Endorsement financial institution, acknowledges the pay-off of the loan previously secured by the vehicle described, and the subsequent release of any lien ( s ). '' However, when the check was presented to XXXX XXXX the salesperson at XXXX XXXX dealership, the complainant was made aware that the check payment had an amount that was less than what was needed to purchase the vehicle. The complainant states that he requested to get another vehicle that would fit within the amount offered by XXXX bank, since he could not afford monthly payments exceeding {$600.00}. The complainant states that XXXX the sales person assured him that he would call XXXX Bank to ask them to increase the amount offered, so that he could keep the XXXX. The complainant states that he insisted that while discussing about the increment with XXXX bank, he should remind them, that he could only afford monthly payments not exceeding {$600.00} as agreed in the contract. The Salesman XXXX left and later returned with paperwork for the complainant to sign off. The complainant states that he was told " Brother, you are all set '', which to him he states meant " I have spoken to XXXX Bank and they have agreed to increase the amount offered to cover the purchase of the vehicle. At this point he states that, the salesman pointed out areas on various forms for him to sign and initial.
After a period of about 3 weeks, the complainant reports that he started receiving phone calls from XXXX bank inquiring about the certificate of title, which they said they had not received yet. This was followed by a written correspondence dated XX/XX/18 from XXXX Bank, stating that " according to the terms in the loan agreement, he was required to ensure that XXXX is accurately reflected as first lien holder on the certificate of title of the vehicle ', but by the date of the letter, XXXX had not received confirmation that it was recorded in this manner on the vehicle 's certificate of title.
The complainant reached out to XXXX XXXX looking to speak to the salesperson XXXX XXXX to inquire why XXXX had not received the title yet, but was informed that he was no longer working for the company, they had let him go, and due to his limited comprehension of the English language, he states that he was not given straight answers regarding the vehicle 's certificate of title.
The complainant reports that he received bills requesting for payment from GM Financial, that he was not expecting, since he had not entered into any agreement with this institution other than for services that included XXXX XXXX and the internet which he believed he had paid for when he made the payment on XX/XX/2018, and he states that out of frustration, he returned to the dealership and his attempts to get an explanation from the staff at the dealership where not yielding any results but just frustrating him more, so he informed them, that he was handing the vehicle back to them, and he was told they couldn't take it back and was warned that he risked having the vehicle repossessed if he did not remit payments to GM Financial, they would sell off the car and recover their money.
The complainant reached out to the General Manager XXXX XXXX at XXXX XXXX to try and understand why he was getting 2 bills instead of 1 bill, and also find out what was going on with the Vehicle 's certificate of title, since he had received the correspondences from XXXX bank, asking for it. The complainant was escorted by a friend to this meeting, that took place at the dealership on XX/XX/2018, and during that meeting, the General Manager asked the complainant " where did you get that huge downpayment from '' ( referring to the {$35000.00} ) and the complainant was startled by the inquiry and the response, was " it was not a down payment, that was an auto loan from XXXX Bank ''. The General Manager asked the complainant if he really needed the XXXX or if he was willing to choose an alternate vehicle. The Complainant replied, he was open to look at other alternatives since he had made it clear that he could only afford to pay monthly payments of up to {$600.00} according to his budget. The complainant was shown 2 different cars as options to consider on that day, a XXXX XXXX, and a XXXX XXXX. Nothing was concluded in that meeting, and a sales person who was appointed to show the complainant the other options, when asked if returning the vehicle was an option, the salesperson said no it wasn't.
The General Manager promised to be in touch with the complainant soon, and that never happened.
The Complainant hired a lawyer to help with this case, and have XXXX XXXX do the right thing of listing XXXX as the first lien holder per the endorsement clause, that bound the dealership when they cashed the check, but to no avail. Attempts to resolve this matter have spun over 18 months and the complainant has suffered a huge financial constraint, since XXXX increased the interest rate from the agreed 3.49 % to 18 % for failure to have the vehicle 's certificate of title sent to XXXX, reflecting the same bank as first lien holder.
Your assistance in this matter will be highly appreciated,
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| 07/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I XXXX XXXX XXXX and have been on XXXX. In XXXX of 2022 my XXXX payments stopped and I had to appeal the decision to stop them. My car payments fell behind. When the lender would call I told them the situation. On XX/XX/XXXX was the last time I spoke to someone and GM financial. I told her that my XXXX company still had not let me know the status of my case but I was supposed to know within the next week or so. She understood, noted my account and as a courtesy, put the calls for my account on hold for a little while since my situation wasnt going to change until I heard from XXXX. I found out my claim had been reinstated when I received a check in the mail on XX/XX/XXXX. My mail doesnt come until late afternoon but I immediately deposited the check into the banks ATM. The next day the funds still were not released. I checked my account again after midnight on XX/XX/XXXX and the funds were available to use. Immediately called GM financials XXXX number to make a payment. The were closed but I was able to make the payment thru the automated system. The amount the system told me to pay was {$2000.00}. The payment was done through my checking account and routing numbers. Very soon after that, within minutes there was a tow truck in my driveway and a person walking around my car. I explained to the driver I had paid what was owed and he said it didnt matter he was still taking the car. I was very upset and told him he is not taking my car, I dont owe the bank anything because I paid what was owed. He threatened to call the police and have me arrested if I didnt give him my car keys. I refused to give him my keys and went in my house to see if I could get a hold of anyone at GM financial. Several minutes after that, there were police officers at my door. When I opened the door they came into my home uninvited. They said I had to cooperate and let the tow truck take my car or I would be arrested. My XXXX old daughter heard them say that and became hysterical. I told the police I was not handing over my keys and if thats illegal then arrest me for it. I went upstairs to put my daughter back in her room and I could hear my car being dragged out of the driveway because the car was in park. The wheels were screeching along the driveway. In fear of my car being destroyed my fianc gave them my spare key FOB to put the car in neutral so the car wouldnt continue being damaged. I was never given the chance to get my things from the car. When I came back from calming down my child the car was gone. I had XXXX XXXX XXXX in my car that I just picked up which are now missing. The police went to the tow yard to search my car and the meds were gone. I stayed awake until XXXX because my meds to help me sleep were stolen and to call GM as soon as they opened. The woman I spoke with told me I had to cancel the electronic payment I made and re pay with my debit card. She said it would take a few days for the electronic payment to clear my bank and the debit card was faster. I did what she said to do and took a screen shot of the payment she made me cancel. She then had me make a payment for {$2000.00} to have my car released. I specifically asked her if I was getting charged repo fees since I made my payment before the car was taken and she said NO, there are no repo fees. She continued to process my payment and told me I could call the tow yard to get my car. After she said no about the repo fees, she never said anything else about the breakdown of the amount I was paying. I got my car back, that was damaged, scratched and has things stolen out of it. This morning I checked my GM app to make sure I was all paid up and everything was ok so I never have to deal with that again. The account was still showing money due and said my next payment would be due on XX/XX/XXXX. Which confused me. Because the amount of money I paid to get my car back was around the same amount it would have been to be paid thru XXXX. After she said there were no fees I assumed the extra {$510.00} was my XXXX payment and a late fee/fees. My car payment is {$490.00}. So I called GM today XX/XX/XXXX And the first representative I spoke with said that my account was not paid up for XXXX, the additional money was the repo fee. I explained to her that I was not told that the previous day. She then said did the account recovery agent not give you a breakdown of what you were paying? And I said that she did not. The rep then said I used to work in that department and they are supposed to tell you what the amount of money you are paying is for, let me get you over to them, youll most likely need a supervisor for this she transferred me over and the first agent I spoke with was not helpful at all so I requested a supervisor. The supervisor said that they DONT have to give me a break down of what Im paying and that I should have known I was paying a repo fee on my own. I told him I specifically asked if I was paying one to the agent who took my payment and she said I was not. And requested that they audit that call. The supervisor said they dont record calls for my state. I live in XXXX and youre allowed to record calls as long as the other party is aware of it. I have a feeling the call was recorded but they know they did things incorrectly and dont want to admit to it. He also said the break down of what i paid would be on my repo notice letter. I told him I never got one. He said the letter doesnt go out until after the car is taken. I asked the agent how that would do any one any good to send it out after the fact. He then asked what exactly it was that I want the outcome of this call to be. I said that the extra {$510.00} should cover my XXXX payment since I paid before my car was taken and I asked if I was getting charged a repo fee and told I was not. He said he was not going to do that and the repo fee is valid and I will owe my XXXX car payment. I told him that was not right and I would be pursuing this matter further.
|
| 09/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
Dear Sir or Madam, *1. GM FINANCIAL Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with GM FINANCIAL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. GM FINANCIAL Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with GM FINANCIAL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. GM FINANCIAL Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my XXXX and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX 2021.
I immediately disputed this information with GM FINANCIAL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. GM FINANCIAL bal. {$8200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. GM FINANCIAL bal. {$13000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 09/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. GM FINANCIAL bal. {$5800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 07/31/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. GM FINANCIAL bal. {$7900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Hello, In XXXX of XXXX funds of {$590.00} were applied incorrectly to my vehicle lease account from which I notified the leasing agency for my XX/XX/XXXX statement about the error and stated that I there was an error on my account. The gentleman that I spoke with said not to worry about it, funds have been applied and that if I truly felt that the money was not mine to let them know on a later note. I stated to the representative again he the funds were not mine and a correction needed to be made so I would know what I needed to pay, and I would not make a payment because he stated not to worry about the situation and because there were already funds there I did not want to create confusion moving forward on my account. In addition, since there was already an issue I did not feel comfortable making an additional payment to what was already an overture on my account only to have a greater issue occur. I notified the leasing agency again the following month when there was still no correction made on my monthly statement for XX/XX/XXXX. IN XX/XX/XXXX I made my regular payment back on schedule since I had not heard back from the leasing agency and continued to do so until XX/XX/XXXX when my statement came in at {$900.00}. I immediately called the leasing agency to find out what the issue was and was told my the representative that I was past due for XX/XX/XXXX. I was not. I called the agency again was then informed that my account had gone into an investigation back in XX/XX/XXXX and that there was a misuse of fund applied to my account back in the fall of XXXX. I asked them why I was not notified of the investigation and was told that the leasing agency did not feel it necessary to in form me about the investigation and that if I was to not make XXXX payment they would come and repossess my vehicle. During this time from XXXX - XX/XX/XXXX I was receiving 4-6 calls a day from the collection department stating verbatim that if I did not pay them they would have my car repossessed and they would negatively impact my credit score. I simply told them that from what I have as my monthly statement s I was never behind on any of my payments and that I pay every month on time if not early. I was then told that I was never issued statements via mail, and that I only made payments via online. I do not own a computer, not did I set up a direct deposit transaction for my account so I do not see how this is even possible. When I told the representative this information, I was told that I was lying and again they were going to then repossess my vehicle for failure to make payments. I would then state that I wanted to speak to their supervisor and it was at this time the call would usually be dropped and another call would come in a few hours later. I again told them that from my records I was not behind and if they were going to continue to harass me with phone calls numerous time of the day I would contact the US General Attorney because it is illegal for collection agencies to call on client for more the once every 24 hours and can be issued up to a {$2500.00} fine for each call following within that time frame. Yet the phone calls kept coming. By XX/XX/XXXX I ended up paying for the months of XXXX and XX/XX/XXXX and was told that my account would no longer be flagged for addition contact and that everything was clear. Yet in XXXX of XXXX I was still receiving calls from the leasing agency stating that again my payments were past due and they were going to repossess my vehicle. it was at this time I requested to speak to a supervisor and I was pushed through to a voicemail box where I left my name and contact inform and what I was experiencing. It was not until XX/XX/XXXX did I get a call back form a supervisor where she stated how apologetic they were on the issue and that they were very grateful on how I was able to make the correct payment as quickly as I had in such a short amount of time. She had also apologized on their behalf for the amount of phone calls that were made to me, and how it was a clinical error on their end form the beginning despite that I had notified them almost 9 months prior to the issue, and how it was then brought to their attention 6 months later, and again how it was still becoming an issue 9 months later even when there was no issue by that point in time. I then asked the supervisor if my credit would be impacted by what has occurred in the last 10 months and she assured me that my credit score would not be negatively impacted due to the issue occurring originally on their end, and not having the original representative from the XX/XX/XXXX not follow through correctly with my report and make the correction to where my monthly statements showing no past due/ late bills.
When I went in to possibly buy out my lease in XX/XX/XXXX my credit score had dropped for XXXX to XXXX due to what had occurred on my vehicle 's lease. When I called the leasing agency to fix this, I was told again by the supervisor that the error was on their end and she assured me that my credit would be reversed since my mailed out statements had shown no error from my end, and in the three years of my billing experience with them I had roughly 12 months where my payments were made in advance/ good standing ( no bad checks ). Once this was pushed through to the assistant VP/ CEO of the company I was denied the correction because they stated that the error was on my end, and since I was aware of the incorrect amount I was thus held reliable for the corrections to be made again from my end moving forward during that time and my credit score was not to be corrected. It was at this point I have reached out to the CFPB.
Thank you.
Enjoy the day.
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| 03/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX I payed what I believed to be my final payment on my XXXX XXXX XXXX. When I checked on line on XX/XX/XXXX to see if there was any information on when I may receive my title as I had not received this in the mail yet, there was a balance of XXXX on this account. I called to speak with a representative that day who could not seem to figure out where this balance came from. I then sent a correspondence via the online website and was notified by XXXX the representative that this balance was an error in the system. Being leery of receiving two different responses on the matter, I called again. This time I was informed by the represented that this balance was a result of 3 deferments I had taken out on this loan and that every time I took out a deferment not 1 but 2 months payments were rolled over to the end of the loan. I informed the representative that I was not made aware of this. I was then told that this is a common complaint by consumers and that I should request to listen to the tapes of my conversation with the rep who made the deferment for me to see if the representative informed me of this at that time. I was transferred to the expired loans department of GM financial where I notified the rep of what I had been told and requested to speak with a supervisor, I was transferred to a VM in which I left a msg for a XXXX XXXX. I attempted to call XXXX XXXX several times and was unable to get through d/t technical difficulties with the phone lines. I received a call from a representative of GM financial seeking to collect payment for the XXXX and upon answering the phone I requested to speak to XXXX XXXX as I had been unable to reach her. I was transferred to her. I notified her that I was made aware that the remaining balance on my car was due to GM Financial rolling over 2 car payments per deferment instead of the 1 car payment that I deferred and I requested to hear the recorded phone call of me making the deferment with the representative as I do not recall the representative informing me of this and because of this I do not feel I should be charged for 2 months payment as this was not disclosed to me at the time of the agreement if the phone proves that. XXXX XXXX informed me that she does not have access to the phone records as the deferment was not made with her division of GM financial and that the balance was not d/t me being changed for 2 car notes per deferment but is a result of daily interest that has accrued over time. I explained to her that when you divide the balance by 3 it comes out to just a little over my regular car payments which leads me to believe that I was charged double with each deferment and also that I had already paid 6 months past my original maturity date which would have been in XX/XX/XXXX and did pay some interest with each deferment made so I did not understand how I could still owe over a XXXX dollars for this vehicle. I requested a detailed statement showing the interest that has been accrued so that I could add this to a total of XXXX XXXX XXXX states she was sending this " now '' and that it may take up to 14 days to receive and she would place all collection calls on a " courtesy hold '' during this process. On XX/XX/XXXX I called GM financial again and spoke with XXXX as I still had not received the requested information after approximately 2 1/2 weeks after speaking XXXX XXXX XXXX and needed the information so that this matter could be cleared up promptly as XXXX continue to accrue daily interest while waiting. I was notified by XXXX that he would speak to the " higher ups '' regarding the matter and make sure the information was sent to me. I even requested that this information be emailed and I did give XXXX my email at that time. On XX/XX/XXXX I called GM financial again, I notified the representative of the situation of me not receiving the documentation I requested despite speaking with another representative on XX/XX/XXXX, the representative proceeded again to inform me that 2 months payments were rolled over to the end of the loan with each deferment, I notified the representative that this is not what the supervisor XXXX XXXX told me, that she says that this balance was for interest and I still had not received any documentation proving this I again requested to speak with XXXX XXXX and after holding was transferred to her VM where I left my contact info and asked her to return my call. I called GM Financial again on XX/XX/XXXX at XXXX and spoke with XXXX since no return call from XXXX XXXX received. I was notified at that time that my balance now is XXXX due to several fees and interest that had been added since XX/XX/XXXX and again I was notified that this balance was a result of 3 additional car payments that were added on to the end of the loan. I requested to hear the conversation at the time of deferment to prove that I was notified of this and I was transferred to collections where I spoke to XXXX and after placing me on hold I was told by XXXX that " I was informed by a supervisor that we do not keep records past 90 days on phone calls '' and as my deferments were for XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX they could not assist with this request. This seems to be an unfair and deceptive business practice as this company has not been able to provide me with any documentation of how they came to me owing this amount or any phone evidence of the terms of agreement to the deferment to prove that I gave consent to roll over 2 car payments with my deferments but yet I am being forced to pay this amount that I do not feel I owe and that GM financial can not seem to prove that I owe in order to keep a vehicle that I have already paid in full for.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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GM FINANCIAL, XXXX, and XXXX continue to report inaccurate information onto my consumer report. All of them are financial institutions that make a profit from selling my nonpublic information. Since this information is pertaining to me I have requested the accounting records to verify the accuracy of these reports. Neither has sent validation of this alleged debt but continue to furnish deceptive reports tarnishing my character and reputation.
Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Account Description : Individual Joint Creditor Type : Miscellaneous Finance Auto Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender.
XXXX XXXX XXXX XXXX - XXXX certain deceptive forms XXXX XXXX XXXX prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
XXXX XXXX Code XXXX - False or misleading representations XXXX XXXX Notes XXXX | next A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which XXXX be lawfully received by any debt collector for the collection of a debt.
( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( XXXX ) The false representation or implication that documents are legal process.
( XXXX ) The use of any business, company, or organization name other than the true name of the debt XXXX business, company, or organization.
( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title.
XXXX XXXX XXXX XXXX - XXXX certain deceptive forms XXXX XXXX XXXX prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
|
| 11/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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) By placing derogatory, incriminating, inflammatory, and wholly inaccurate information on the public record my family has been impacted negatively. G.M. FINANCIAL SERVICES CORPORATION took our vehicle and refuse to return the vehicle. In The STATE of ILLINOIS has laws against libel and slander, and, I bring forth my claim for such an incorporated into this matter deliberately, and by reference. Since the debt has not been certified or validated and the validation of the debt has been requested on several occasions. XXXX XXXX, XXXX over the phone, XXXX XXXX, XXXX over the phone. I do hereby bring to this bodys attention that the opposing party with their accomplices have violated my due process and rights as well as the FAIR DEBT COLLECTION PRACTICES ACT.
b ) For the violation of the FAIR DEBT COLLECTION PRACTICES ACT, which says that once a dispute has been initiated, that the partys making the claim of DEBT must suspend all debt collection activities until the debt has been validated. Which would include reporting such to credit reporting bureaus, this was not done. they have made this a matter of public record by filing a claim against my person and failing to properly serve my persons the documentation. Such a claim was filed without notification of my persons and has caused me and my family many damages which are documented as follows, were given many opportunities via electronic payments XXXX XXXX XXXX XXXX to close out this debt. XXXX XXXX the opposing party locked the customer XXXX XXXX out of the ability to pay through electronically transferred funds by not accepting payment with the password account set up with G.M. FINANCIAL SERVICES, through the account that was set up to pay the funds I communicated with G.M. FINANCIAL SERVICES XXXX XXXX, XXXX that I have been locked out of my account electronically the system refused to take my payments. they responded that the funds I submitted to the account which I had been submitted in XXXX were returned and that I could only pay by debit, of credit card, money order, the electronic funds had been reversed to the sending financial institution, When I explained to them that I could only pay with the only account I have at my disposal that is when I asked them what happened and why I were just hearing about the returned ACH/EFTs. I asked them could I pay the whole bill off with the agent on the phone I was told that I could after they talked to their supervisor on duty, at that instance I was told that I could make ( 4 ) four payments separately each payment would consist of the transfer fees of ( 4 ) four separate transactions, then I gave them instructions for the agent representing G.M. FINANCIAL services the o.k for the ACH/EFT transfers to take place. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, to electronically transfer the funds from the account in questioned. I got a confirmation number # # # # # # s thats when I asked them for a payoff letter to validate the debt they told me I would have to call a different phone number if I wanted it in writing. I were contacted on XXXX XXXX, XXXX G.M. FINANCIAL SERVICES called and told me I was behind in payments and what were my intentions I explained that I had gave instructions for the vehicle to be payed off, in early XXXX I was told that the account I gave them the funds were returned and I were in their system for repossession of my vehicle, I asked again why I have not received the payout letter and/or the validation of the debt from G.M.FINANCIAL SERVICES, I was told I could only receive it orally over the phone.
Due to the recent accounts being hacked through credit fraud the customer asked the opposing, party was asked to present the original contract or payout documents and the request was ignored, the opposing party erased my E-mail accounts to remove communications between the parties in dispute, G.M. FINANCIAL SERVICES has not been working in good faith to remedy this account, The law provides a penalty for violation of DEBT collectors with unfair practices Communication clauses, failure to provide access to the consumers information. My vehicle was taken under duress, while walking to me vehicle on my property before XXXX i observed someone walking onto my property with an object i feared for my life and ran back into my home. G.M. FINANCIAL SERVICES has not been working in good faith to remedy this account, The law provides a penalty for violation of DEBT collectors with unfair practices Communication clauses, failure to provide access to the consumers information, G.M. FINANCIAL SERVICES were asked to present to the customer the rejection letter from a third party and ignored the customer request. Failure to provide the information requested by LAW i.e. Validation.
G.M. FINANCIAL SERVICES were asked to present to the customer the rejection letter from a third party and ignored the customer request. Failure to provide the information requested by LAW i.e. Validation.
The customer have demanded the information to remedy a DEBT, and hereby claim the opposing parties made no effort to give assistance and because the car has been paid in full. The same account that was used to pay off {>= $1,000,000}, were also used for that account. FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692. Perhaps 15 U.S.C. 1692 ( a ) attention I am a XXXX AMERICAN, near retirement age and I am not a student of law yet I have been attacked by a group of individuals in the form of this or claim of debt. Because this matter involves laws
|
| 03/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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This complaint is regarding the following 2 accounts : 1- ACCT # : XXXX -> XXXX XXXX XXXX XXXX -> VIN Last 8 : XXXX XXXX ACCT # : XXXX -> XXXX XXXX XXXX XXXX -> VIN Last 8 : XXXX First and foremost, both accounts/vehicles were always paid on time and never returned late. now let me explain further : 1- Regarding ACCT # : XXXX, the vehicle original lease end date was XX/XX/XXXX, and it was extended for 2 additional months, with a new lease agreement end date of XX/XX/XXXX. The vehicle was returned within the 10 days grace period per GM Financial policy when I called and inquired for the vehicle return date, and subsequently, the vehicle was returned on XX/XX/XXXX to XXXX XXXX dealership. I have called and confirmed with the following agents of GM financial listed below that all payments have been received and processed properly, and I was informed by each one of the following agents that there should be no negative or late credit reporting at all, and the vehicle is returned properly and on time and there will be no other fees to be charged to me. The account is closed in good standing with {$0.00} balance due and never late. However, when I check my credit report, I was reported 30 days late on XX/XX/XXXX ( see attached credit report ). Why would I be reported as 30 days late on XX/XX/XXXX, and the vehicle was returned on XX/XX/XXXX, especially, when Im not even late to begin with? Furthermore, if you read the remarks on my credit report, it says full termination/obligation satisfied and lease full termination / entire payment schedule completed for terms of Agreement. This is wrong and it must be corrected by removing the 30 days late payment reporting from all credit bureaus including XXXX, XXXX, and XXXX. This is causing damaging my credit and I ask to hold GM financial accountable for their misreporting of accurate information under the fair credit reporting act, plus I dont deserve this mistreatment as a longtime loyal client of GM products and GM Financial with over 9 vehicles leased so far from GM!!! Shame on you for this type of mistreatment and incorrect fair reporting. I ask the Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately.
a. Agent XXXX ID # XXXX b. Agent XXXX ID # XXXX c. Agent XXXX ID # XXXX d. Agent XXXX ID # XXXX XXXX Regarding ACCT # : XXXX, the vehicle original lease end date was XX/XX/XXXX, and it was extended for 6 additional months, with a new lease agreement end date of XX/XX/XXXX. The vehicle was returned on XX/XX/XXXX to XXXX XXXX XXXX ( see attached return receipt ). Now, I kept getting calls from GM financial regarding the vehicle being overdue, and it was never returned. I kept explaining to each caller that the vehicle was returned on XX/XX/XXXX to XXXX XXXX XXXX. So instead of GM financial doing their job and check with the dealership, I kept calling false collection calls for weeks and weeks after it was returned on XX/XX/XXXX to XXXX XXXX XXXX. Finally, on XX/XX/XXXX, I received another collection call from XXXX asking for the vehicle and telling me how it is late, and I have been reported as such etc. so I asked XXXX ( from GM Financial ) to hold on and I conferenced in XXXX XXXX ( sales manager form XXXX XXXX ). XXXX was able to right away confirm that the vehicle was returned on XX/XX/XXXX and he also emailed the vehicle return receipt to XXXX right away ( see attached email from XXXX to XXXX and the vehicle return receipt ). XXXX promised me that she would leave detailed notes on the account, and she would fix any and all negative late reporting, as the vehicle was returned in time, and for over 2 months after that, I was getting harassed by GM financial and collectors for something returned properly and timely. I continued to call and inquire about fixing my credit report and I spoke with all these operators listed below and basically, they all lied to me saying I should be fine. I spend hours and hours on the phone calling, on hold, waiting, being transferred repeatedly, and after all this hassle and grief, GM financial still has me reported incorrectly on my credit reports. Furthermore, the remarks on my credit report, it says full termination/obligation satisfied on XXXX and lease early termination / merchandise returned before the end of the term on XXXX, which is not true. The vehicle was extended and returned 1 days before the due date. This is wrong and it must be corrected by removing the 30 days late payment reporting from all credit bureaus including XXXX, XXXX, and XXXX. This is causing damaging my credit and I ask to hold GM financial accountable for their misreporting of accurate information under the fair credit reporting act, plus I dont deserve this mistreatment as a longtime loyal client of GM products and GM Financial with over 9 vehicles leased so far from GM!!! Shame on you for this type of mistreatment and incorrect fair reporting. I ask the Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately.
a. Agent XXXX ID # XXXX b. Agent XXXX ID # XXXX cXXXX Agent XXXX ID # XXXX d. Agent XXXX ID # XXXX e. Agent XXXX ID # XXXX f. Agent XXXX ID # XXXX g. Agent XXXX ID # XXXX h. Agent XXXX ID # XXXX i. Agent XXXX ID # XXXX j. Agent XXXX XXXX Ext : XXXX Regards, XXXX XXXX
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| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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I spoke with XXXX XXXX, one of the Managers at XXXX XXXX XXXX in XXXX, Ohio for two weeks starting in XX/XX/XXXX. I expressed prior to visiting a recent Bankruptcy, credit score of XXXX, little to no money down and a 4 hour round trip commute. XXXX promised me financing as she " did this for over 15 years '' and I visited on XX/XX/XXXX. After visiting from XXXX XXXX XXXX XXXX XXXX I informed XXXX I could not afford the car or a down payment as my dog was ill and I provide full time care for my XXXX XXXX Mother. XXXX and my sales rep XXXX informed me that if I add on the extended warranty and gap coverage I could be approved. Initially they asked for money down, but XXXX convinced me " she called in her one and only favor '' and got me into a car loan with 0 % money down. My area does not have a bus route for 3 miles and I felt desperate which I informed her but that I would come back. XXXX and XXXX both informed me I could cancel the warranties but this was needed to get the loan and I could call and cancel the the warranty and gap coverage at any time. I then got passed to the finance manager XXXX and he was watching the XXXX game as I was signing my paperwork and when I noticed the additional {$4000.00} added to the loan due to the warranty and gap coverage at 22.10 % ( which it should be illegal to charge this high interest but I needed a car ) he told me I could call him if I changed my mind but couldn't get the loan without this. He said the warranty was good and asked me to sign here and here. I looked at a document with the 22.10 % interest which is predatory for those needing a car with poor credit like myself, and when I saw a document that XXXX the car from {$21000.00} to {$51000.00} I asked XXXX about taking the additional stuff off, to be told they I can't currently but can cancel it later if I change my mind. I had never been in this type of situation before, my previous cars I had credit that was at least 150 points higher so I thought this was normal and the dealership had good reviews. I now know that they make you do a review before you leave the dealership which was my experience. Prior to visiting and before I made the purchase I received constant communication and even an XXXX morning text because they knew I was driving to ensure I knew what to do when I got there. I drove back home the 2 hours after this purchase and reviewed my loan and noticed these things were optional, not required as I was told. I called the following morning to cancel this, XX/XX/XXXX. I called the dealership and left a voicemail. I texted XXXX early at XXXX XXXX on XX/XX/XXXX as for a call or text back as I either needed to return the car or take of the optional warranties because I could not afford the loan, let alone an additional $ XXXX added at 22.10 %. Both reps I spoke with on XX/XX/XXXX and XX/XX/XXXX, with XXXX warranty and the extreme gap program told me they have had issues with this car dealership, they can not assist as the dealership still had the loan and it was pending, but that this dealership makes a substantial profit off the loan. I was told by XXXX when I called on XX/XX/XXXX that XXXX the finance manager would have to refund the money to the loan I signed and could send me updated paperwork. I texted, called and emailed XXXX and XXXX prior to even contacting the warranty company and gap coverage provider. XXXX responded on XX/XX/XXXX she would have XXXX contact me and they could update the paperwork and figure out something via docusign. Due to my Mothers health and the dog I am fostering, I am unable to physically make the additional 4 hour commute. I texted an XXXX with their organization and he had another manager XXXX call me on XX/XX/XXXX. XXXX intitially told me I was required to keep the warranty and gap coverage and I agreed to this. I honestly agreed to this because I thought it was required, but at 22.10 % this will add almost {$8000.00} XXXX to the loan and I was told I could cancel this at any time. Once I informed XXXX of the optional coverage per my contract he told me XXXX would update the paperwork and email me something updated by the end of the day on XX/XX/XXXX. I have called, emailed and text messaged XXXX, XXXX, XXXX, XXXX and XXXX XXXX was responded when I would like the additional warranty and gap coverage cancelled. During my signing of the paperwork on XX/XX/XXXX I informed XXXX I had gap coverage through my insurance and he was watching the XXXX game and said, " it comes as a package, sign here you can cancel later ''. As of XX/XX/XXXX both the extended warranty provider and gap insurance provider have not received the loan paperwork. In my contract it states that I need to notify them and the car dealership in writing of my cancellation. I have verbally and in writing requested this to be cancelled in every capacity I can. I do not physically even have the finances to go back to the XXXX area to where I live as now I'm in a high interest car payment and the sole provider for 4 people. XXXX knew all of this and she did me no favor, I know now that was a sales tactic and have received nothing through docusign as promised. I just want the optional things taken off the loan and the {$4000.00} refunded to the loan. I have cancelled this type of warranty in the past with my previous car dealer that was in my area and was able to email the finance manager and within 48 hours, he sent me updated paperwork with no problem. XXXX XXXX XXXX lacks character and very dishonest. I just want what I was told even after the sale would happen, for finance to take this off my loan.
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| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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I contacted XXXX XXXX to make the XXXX XXXX XXXX aware of the fraudulent issues with his sales representatives. On XX/XX/XXXX, I applied to GM for vehicle approval. I received a pre-Qual decision ( See attached ). I then received a call from XXXX, then XXXX, then XXXX ( XXXX XXXX ). I provided XXXX with the Stock number ID : XXXX the vehicle I sought ( See attachment ), I informed XXXX that I was looking to replace my current XXXX XXXX Envision that was purchased in XXXX due to the dealership Fraud, transmission issues, waiting on parts for light, and other issues presenting with the vehicle.
Shortly afterward, XXXX sent me several text messages regarding the vehicle 's trade-in and pay-off ( See attachment ). Then XXXX called and stated that he was from GM and that I had a fraud alert on my credit file. I became frustrated with XXXX, and the calls were coming back to back while I was at work.
I never applied for other funding sources besides GM. Therefore I should not have received various credit inquiries stating otherwise from XXXX, XXXX, XXXX, and GM. I never authorized anyone to pull my credit other than GM ; therefore, please provide me a signed application that I completed electronically, with the IP address. If NOT, THEN I PRAY THAT THE INFORMATION OBTAINED BE REMOVED IMMEDIATELY AND CREDIT INQUIRIES REMOVED WITHIN 24 HOURS before I FILE ANOTHER COMPLAINT about the DEALERSHIP FRAUD with the FTC and CFPB.
Furthermore, the vehicle price online and the quoted price were completely different in numbers, another part of dealership auto fraud. ( See price below and compare to the numbers provided in attached ) almost $ 10K more than the price advertised Per Georgia Fair Business Practices Act If you think that you have been a victim of unfair or illegal practices by a Georgia Auto dealer during the purchase or attempted purchase of a new or used vehicle, contact a Georgia Consumer Protection Attorney for a free case consultation.
The " Georgia Fair Business Practices Act of 1975, '' O.C.G.A. Section 10-1-390 et seq., is the primary consumer protection law of Georgia. This Georgia consumer protection Act regulates unfair or deceptive practices in consumer transactions in Georgia which are defined as transactions for personal, family, or household purposes. The Act also regulates health club memberships, final going out of business sales, telemarketing, multilevel marketing opportunities, campground memberships, and certain promotional activities. The Act authorizes private citizens in Georgia to sue for violations in certain circumstances.
GEORGIA FAIR BUSINESS PRACTICES ACT, TITLE 10. COMMERCE AND TRADE CHAPTER 1. SELLING AND OTHER TRADE PRACTICES ARTICLE 15. DECEPTIVE OR UNFAIR PRACTICES PART 2. FAIR BUSINESS PRACTICES ACT Prohibited activities under the Georgia Fair Business Practices Act include, but are not limited to the following ; 1. Passing off goods or services as those of another seller or manufacturer.
2. Selling goods come from a particular place or country as goods from a different place country ; they were manufactured in China yet the consumer is told they were manufactured in the USA or Italy.
3. Representing used goods, including vehicles, as new when they are not.
4. False claims referring to the particular quality or grade of an advertised product, or selling the products stating they are a certain style or model ( example : selling a car with a low-grade radio, when the standard is a brand name manufacturer ).
5. False or misleading statements about another business or its products or services.
6. Advertising goods or services without having enough on hand to meet expected demand ( unless the ad says that supply is limited ), or with false intent ( bait and switch ) to bring the consumer into the store or dealership when in fact, the product or vehicle is not available exactly as advertised.
7. Misleading statements or false claims should not be used in advertising a sale or special promotional event, i.e. " On sale today only, for the low price of {$100.00} '', when in fact this offer has been good for a month.
Dealer Price {$41000.00} XXXX XXXX XXXX XXXX XXXX Miles away XXXX : XXXX Stock ID : XXXX After reaching out to XXXX XXXX via email, he then sent an email not addressing the FRAUD perpetrated by his staff. Furthermore, I have my vehicle serviced at this location and waiting on parts and currently have my XXXX XXXX XXXX that was escalated to go to my Preferred Dealer at XXXX, however, I will have to file a Police Report in XXXX XXXX based on the response from XXXX XXXX. XXXX, does not have a right to cause injury upon me and I notify him of his wrongdoings and provide a no contact while my car is currently being serviced at XXXX XXXX XXXX XXXX. Case [ XXXX ], Status update for your XXXX XXXX XXXX concern. A discrimination complaint will follow as well.
XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 22 hours ago ) to me To whom it may concern : Youve sent personal and confidential dealership information to another dealership. I will have no further communication directly with you other than this email. If you wish to retain an attorney they may contact me directly and I will provide them with information of our counsel. This is your official notice of no contact to either myself or any employee of XXXX XXXX from this point on, either via in-person, email, text, or phone. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX l XXXX l XXXX l XXXX o : XXXX XXXX XXXX XXXX
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| 05/13/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I made arrangements with XXXX XXXX Lease Servicing Team Leader at the XXXX XXXX Servicing center verbally on XX/XX/2019 to make a payment for {$600.00} before the week was over. He specifically offered to post date a payment for me anytime between now and XX/XX/2019 for the {$600.00}. I told him that wouldnt be necessary as I would pay before the week was over. I was in the hospital on XX/XX/XXXX at the time of his call. I literally could barely talk and did not have any bank or credit card info I could give him at that moment. A doctors note will also be included in this complaint.
He emailed me from his personal work email : XXXX on XX/XX/2019. That email will be attached to this complaint as well. This email stated that I had until XX/XX/2019 XXXX to pay what I owed before further action would be taken on my account ; pretty much same as he stated on XX/XX/2019 during our phone conversation. I then responded to HIS email to me on XX/XX/2019 and informed him that the {$600.00} payment was sent electronically and also asked a question regarding arrangements for the remaining balance. He never responded. This email is also attached to this complaint. I was then told by him and his supervisor SVP XXXX XXXX that they do not count emails and are actually not supposed to email consumers. I asked where I could find that information and I was told that they do not provide it to customers. Guess I should have magically known that even if they email me first and I respond it counts for nothing. The email did not say not to respond or that he would not be able to correspond back via email. The email did not say to not reply to it. It did not send back an error. XXXX XXXX acknowledged that he saw my email and did not respond to it although HE initiated contact via email.
On XX/XX/2019 my car was picked up despite my adhering to the agreements I made both verbally and in writing to XXXX XXXX. I immediately called him and asked what was going on. He then proceeded to tell me that they preferred the payment to be sent a different way. I asked why didnt he tell me that when I responded to his email? He said they are not allowed to email people although clearly he did email me and emailed me first.
I asked to speak to SVP XXXX XXXX supervisor. He told me she could not come to the phone because they were about to start their weekly meeting. As a professional myself who oversees the largest county in America, I am bewildered by such an unprofessional response. I did leave her a message and still await a return call. Mr. XXXX refused to provide a direct number or name. Mr. XXXX also declined to let me know where I can find the customer policy informing me that I as a customer I can receive official emails from them but that I can not expect responses to those emails to be considered correspondence.
I then spoke to XXXX ID # XXXX in department. He again stated were not going to respond to your email even if we emailed you first. He acknowledged that XXXX XXXX probably violated a no email policy which prevented me from remedying the situation but said it was too late and didnt matter now. He proceeded to also tell me that the payment I submitted didnt really matter because people pay and then enter a dispute with their bank and get their money back. As he was ignorant I informed him that people can request their money back months later so that did not seem pertinent to the situation. He finally agreed that I can send my bank information saying the {$600.00} was electronically withdrawn. For reasons I dont find appropriate he also requested proof of my insurance. This was faxed to him at XXXX XXXX XXXX along with the printed email documentation from XXXX XXXX and my response.
XXXX ID # XXXX also stated that he was unable to provide me with documents that would inform me as a customer that if I respond to emails from GM FINANCIAL staff it doesnt count since they dont do email although they initiated the email first.
On XX/XX/2019 I did do XXXX XXXX same day pay for {$950.00} reference number XXXX XXXX XXXX and a XXXX payment for {$580.00} reference number XXXX in addition to the {$600.00} that was withdrawn from XXXX XXXX XXXX on XX/XX/2019 and sent to GM Financial. ALL PROOF OF PAYMENTS HAVE BEEN GIVEN AND CONFIRMED RECIEVED BY THEM.
When I called in about an hour later I was told it wouldnt show GM FINANCIAL systems for 2-3 days. How is that any different from the electronic payment???!!
Why did XXXX XXXX call me and tell me to pay {$600.00} by XX/XX/2019 in order to keep the car and then I pay it 3 days later and they still have the car taken??
I tried to get more info from the collections XX/XX/2019 and the department and said they had no record of me ever speaking to XXXX XXXX. No indication that he called me or emailed me. I have the proof.
I would like this account reviewed. This unprofessionalism reviewed. I also called in in XX/XX/2019 to explore options as I continue to miss work and thus pay due to my extenuating health issues. I was told there are no options. The last payment made was in XX/XX/2019. There has been ongoing contact and good faith on my part to explore options as indicated on your website at this very moment and even the email from XXXX XXXX.
I left a message with SVP XXXX XXXX on XX/XX/2019 @ XXXX PDT stating they are allowed to call me. I HAVE DONE EVERYTHING THEY ASKED ME TO IN THE AGREED TIMEFRAMES AND I STILL DO NOT HAVE MY CAR!
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| 09/21/2017 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX is acting in violation of the Maryland XXXX Laws and is trying to collect on a debt that they technically can not collect on. On XXXX XXXX I contacted XXXX XXXX regarding my past due car payments and the next steps I can do in repairing our relationship. The representative informed me that my best option was to voluntarily give up the car and that it would completely wipe out the debt I owed with them and that they would stop all collection activities ( I have thus learned that I was lied to by the representative and that this was not true, that giving my car back would not erase the debt I owed but only reduce it ). I gave them the address to pick up my car at XXXX XXXX XXXX in XXXX Maryland XXXX please note that at the time of the call I gave the representative ). Two days my car was given up to the tow company and all was well, as so I thought. To my surprise when I look at my credit report a few months ago I noticed that this is still showing negatively on my credit report as debt I owe. According to Maryland law " Within 5 days after the credit grantor repossesses the tangible personal property the credit grantor shall deliver to the consumer borrower personally or send to him at his last known address by registered or certified mail, a written notice which briefly states : ( 1 ) The right of the consumer borrower to redeem the tangible personal property, and the amount payable for it ; ( 2 ) The rights of the consumer borrower as to a resale, and his liability for a deficiency ; and ( 3 ) The exact location where the tangible personal property is stored and the address where any payment is to be made.For 15 days after the credit grantor gives the notice required by subsection ( e XXXX of this section, the credit grantor shall retain any repossessed property. '' I never received any such notice from XXXX XXXX to my mailing address via certified or any other sort of mailing. Which is in violation of Maryland law. XXXX, XXXX consumer is also required by Maryland Law after selling my vehicle to send me a deficiency letter outlying the remaining debt I owe. Maryland Law States " Private sales must be commercially reasonable, and the lender must send an accounting to the borrower. If the property is sold at public auction, the lender must provide the borrower with a written statement of how the proceeds were applied. If the vehicle sells for less than the balance owed on the loan, then the remainder is an unpaid deficiency. '' State law also requires that this be sent via certified mail latest address on file. Any violation of this law states that the " credit grantor can not collect on the debt ''.
In XXXX I contacted XXXX 's President Office, to file a complaint regarding this debt and after several attempts via phone/email I got no reply. Today I spoke to gentlemen named Tyrick ( Employee ID number XXXX ) he wouldnt give me his last name. XXXX XXXXnformed me that they sent all the notices to an address XXXX XXXX XXXX, XXXX XXXX Maryland XXXX ( with no apartment number associated to the noticed, my apartment was # XXXX ) and that letter was eventually returned to them.Proving that I was never in receipt of the required document.TWO MONTH LATER they sent another letter to a P.O box address that is not associated to me at all. My former roommate XXXX XXXX XXXX address had their mail forwarded to an P.0 Box and XXXX XXXX public records and assumed that address was mine. Furthermore I spoke with XXXX that any certified mail sent to P.O box address whether it was my P.O box or not would have to be signed for by the person who the letter is addressed to at the post office. When I asked XXXX if he had any record of me signing for said letter or that I received it he said no, and he didnt care If I got the letter because its his job to " collect my money by any means necessary ''. I never gave XXXX that address or gave them permission to send me any corespondents to that address.My address on file that the time was XXXX elm XXXX XXXX XXXX XXXX '' the address that I gave them! When I informed XXXX XXXX of my findings he stated he " did not care '' and it " would n't have mattered if they sent the notice or not '' because he deemed me " irresponsible ''. I asked XXXX XXXXeveral times for the opportunity to speak with his XXXX or The XXXX and he refused to let me speak with anyone else. He also several times throughout the call XXXX was very unprofessional and made derogatory remarks regarding my financial state at the time and the fact I had been contemplating bankruptcy. Actually toward the end the call he hung up in my faceXXXX also states that I never called XXXX financial to do a voluntary repo on my car and that they figured out where the vehicle was and my new address was XXXX elm XXXX XXXX, XXXX, Maryland XXXX. My question is if that is the case, and XXXX financial did find out that my new address was the XXXX XXXXt address why didnt they said the required notices to that address? The law does state that notice should be sent to the last known address which wouldve been XXXX XXXX ... Which right there proves that they were in complete violation of the law!
I have come to the conclusion that XXXX XXXX has not acted in good faith with the sale of my vehicle, giving me the required notices, and reporting my debt correctly to the credit agencies.
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| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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GM FINANCIAL update / XXXX ( CRA 's ) Dispute XXXX Please take notice that I have provided Sufficient information to identify the account or other relationship in dispute ; The specific information being disputed ; An explanation of the basis for the dispute ; and All supporting documentation reasonably required by the furnisher to substantiate the basis of the dispute This account was paid timely and current, subsequently GM FINANCIAL is reporting inaccurate erroneous information on my credit report.
GM FINANCIAL illegally repossessed vehicle GM FINANCIAL inaccurately furnished to the credit Bureau a deficiency balance of {$19000.00}. GM FINANCIAL reported this on or around XX/XX/XXXX GM FINANCIAL States my last alleged payment was on XX/XX/XXXX GM FINANCIAL inaccurately and erroneously reported this account as Charge-off, then closed the account.
Even if my last alleged payment was made in XX/XX/XXXX this now would exceed the statue of limitations ( for legal purposes ) GM FINANCIAL financial is now attempting to change this last alleged payment date and attempting to extend the statue of limitations & violate the Fair Credit Reporting Act.
GM FINANCIAL is continually reporting inaccurate statement of balance due and/owed.
XXXX ( CRA - CREDIT REPORTING AGENCY ) is now enabling this inaccurate reporting by failing to correct it and allowing inaccurate erroneous information to be displayed and reported on my Credit Report 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term " reasonable cause to believe that the information is inaccurate '' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Duty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.
Duty to Provide Dates of Delinquency. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information. This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action.
Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.
Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Enclosed : Credit Report XXXX XXXX Credit Report XXXX XXXX ( Before my latest initiated dispute ) Credit Report XXXX XXXX ( After Report is inaccurate updated )
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| 05/24/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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My father ( now XXXX ) has been leasing cars from XXXX XXXX XXXX sinceXX/XX/XXXX ) through XXXX XXXX XXXX through salesman XXXX My father is a retired XXXX XXXX at XXXX XXXX XXXX for 38 years. His lease began XX/XX/XXXX on a XXXX XXXX XXXX. He had direct withdrawals by GM Financial. In XX/XX/XXXX he was diagnosied with XXXX XXXX XXXX and Dr advised his to not drive. His vehicle sat in garage XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX while he continued to make payments and cover insurance. On XX/XX/XXXX he was put under XXXX care and the family was advised it would XXXX XXXX XXXX for my father. My father spoke with XXXX and advised him of his situation we were given two options, Keep making payments, or turn car in. We had a family member willing to take over car, but XXXX advised us my father would have to pay off lease of ( 16 months ) then he could sell the car to our step brother. There was no other option. XXXX advised us if we turned in the car my father would have to pay off the lease and upon his XXXX we could submit his XXXX XXXX and all payments he made after his XXXX would be returned if he XXXX before XX/XX/XXXX. My father had us return the car on XX/XX/XXXX to the dealership with a certified check overnight to GM Financial for 16 months payments totatling {$4400.00}. OnXX/XX/XXXX I spoke with GM Financial XXXX who advised me they needed a copy of XXXX XXXX and his file would be closed and he would be entitled to refund as the car had already been sold. I spoke with XXXX on XX/XX/XXXX she advised me no documents had been received yet and to send the documents to her via email to XXXX attn : XXXX so account could be corrected and refund could be processed. On XX/XX/XXXX I called GM Financial to follow up, spoke with XXXX who stated the number that papers were originally faxed to was a number she didn't recognize and I needed to send copy of cancelled check and XXXX XXXX toXX/XX/XXXX, On XX/XX/XXXX called to check if papers received spoke with XXXX, who stated both numbers I was given were incorrect fax numbers and needed to refax documents to XXXX. On XX/XX/XXXX spoke with XXXX she stated they did receive the XXXX XXXX and copy of check and now needed the Trust to advise who was executor/trustee successor. She also sent me to Loss/Recovery who referred me to Resolution dept. Got an answering machine, advised to leave my name and number and someone would call me back within 24 hours. To date never heard from them. on XX/XX/XXXX spoke with XXXX from loss/recovery stated copy of trust was unreadable and I needed to refax it to another number XXXX who transferred ; me to XXXX in resolution. Stated he needed to pull documents and would call me back within 24 hours, no return call. He gave me his extension of XXXX. I attempted to all him back on XX/XX/XXXX, that extension does not exist. I spoke with XXXX from resolution on XX/XX/XXXX who stated they had received trust that was readable, but stated car is still showing as being with my father, Car has not been grounded by dealership and I needed to call dealership to get car grounded. And stated we aren't entitled to refund as my father 's status is still active and he needed to make payments till XX/XX/XXXX. The dealership and all people I have spoken with have stated that once they receive the XXXX XXXX and monies owed by my father would be refunded, as he would no longer be obligated to make payments once he XXXX. He XXXX on XX/XX/XXXX. The car was returned on XX/XX/XXXX. The car was grounded and sold with a mileage of XXXX. I contacted the dealership as I was the one with my husband that returned the car to the dealership onXX/XX/XXXX. At the time we were at the dealership XXXX attempted to contact GM Financial several times but got frustrated getting transferred around to people. He attempted to make a copy for us to take of the documents but his printer was not working, he wrote the mileage number down on an envelope and told us we could leave and he would follow up with GM later. On XX/XX/XXXX I spoke with XXXX, who insisted he us a copy of the paperwork with the mileage on it and we would have to deal he had nothing to do with it anymore. That we would have to deal with GM Financial ourselves. If as the dealership and all employees have stated once my father XXXX he would no longer be required to make any payments and he XXXX in the same month car was returned and sold, he should be entitled to a refund for all payments made after his XXXX. My father was dealing with the fact of XXXX and wanted all his legal matters taken care of before his XXXX which is why he informed XXXX of his situation and XXXX gave him no other options than to pay the balance and return the car. When I spoke with XXXX at GM Financial he advised me that my father could have signed off of the lease and transferred the remaining time/payments to a family member but this option as not given to us by this dealership/salesman. It appears GM FInancial not only got paid for the sale of the car but also got 15 months of additional payments from my father. My brother is the Executor of the estate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Trustee Successor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Sincerely, XXXX XXXX
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| 01/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX, located at XXXX XXXX XXXX , XXXX XXXX, MI XXXX. I provided pay statements from my full-time employer, in which my income was more than sufficient enough to cover the purchase of the vehicle and the monthly payments. I also provide pay statements from my part time employer, as supplemental income. The contract for the vehicle was signed and dated on XX/XX/XXXX. I was told that the finance company was XXXX located in XXXX XXXX, TX XXXX. I purchased insurance and indicated that XXXX was the Leinholder. I received copies of the contract, the keys for the vehicle and a new license plate for the new vehicle as the new owner of the vehicle with 11 miles on the odometer and with financing in place with XXXX. The contract had no " cooling off period '' and clearly indicates that the sale is final.
After closing on the vehicle loan, an individual from the dealer, named XXXX XXXX, began bogus attempts to change the terms of the vehicle loan, make changes to the contract/loan and/or altogether cancel the contract/loan, through the use of phone calls to my phone and full time employer business line with threats, intimidation, high pressure tactics and scare tactics and threats of making police reports regarding the purchase of the vehicle, all in an attempt to have documents to be texted to his personal cell phone.
On or around XX/XX/XXXX, I received a call from an individual ( XXXX XXXX, stating he is a manager at the company ) requesting that I text him on his personal cell phone, a cancelled check from my part time job. I requested that he provide to me, in writing, exactly what documents that he is requesting, however he refused. I informed him that I had already, provided my most recent pay statements showing the amount earned on a weekly basis from my part-time employer. Both myself and employer then requested a fax number to fax any documents being requested, to be faxed directly to the company, however, he refused to provide the fax number and continued to request that any documents are submitted to his cell phone only. He became threatening and intimidating, and began using high pressure tactics to gain this information, however continued refusing to provide anything in writing. My part time employer personally contacted this individual, however he refused to identify himself over the phone.
Both myself and my part time employer tried to reach GM Financial several times and called GM Financial at XXXX, which indicates its the funding department, however continued to only reach voicemail, therefore voicemail messages were left for a return call. The voicemail indicated to press 0 ( zero ) for another funding agent, however, when pressed, the call pauses then hangs up.
Therefore, Via email to the XXXX sale rep 's email, Mr. XXXX XXXX, which was provided to be used to send proof of insurance to, I provided a copy of my XXXX for tax year XXXX from my part time employer, supporting the supplemental income. Although Mr. XXXX XXXX, received the XXXX information, he intentionally began to confuse the situation and began requesting other documents without any clarity as to the exact documents he is requesting and he then began calling my full-time job, disturbing my work. My part time employer contacted Mr. XXXX XXXX for clarification of what documents, however he refused to state exactly what documents he is requesting. He was asked several times to clarify the documents that he is requesting, however he continued to refuse. He became even more threatening and intimidating and began to threaten to call the police and file a false police report if we will not provide him with documents, none of which he would clearly state or indicate what documents nor the purpose of the documents.
On XXXX, both my part time employer and I have emailed over to the dealer verification of my part time employer 's business establishment information including the business bank's/credit union 's voided business check and business entity document supporting establishment of accounts, a copy of the MI Dept of Treasury Tax Id Number with supporting business address and mailing address, and another copy of my XXXX tax year XXXX. I have acknowledged that tax deductions are less at points and more at other points on my XXXX, it is done so, with my permission. The information provided is more than sufficient enough to support the small amount of income earned part time and to verify the established business.
Requesting relief : That the contract/loan remains as it is, as of XX/XX/XXXX. That the dealer and finance company only contact me in writing. That I receive the monthly statement timely as the 1st payment is due XX/XX/XXXX. That XXXX XXXX cease among all other things the unprofessional acts and actions, cease all harassing and illegal tactics, cease all business misconduct, cease all calls, cease all threatening and intimidating calls, end all high pressure tactics and scarce tactics which include the threats of making false police reports, in his blatant attempts to coerce and gain unwarranted information. And all other relief under the law.
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| 11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt.
In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification.
In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer.
Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate.
In numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity.
The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
This creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.
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| 12/01/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/2021 My Vehicle was illegally repossessed and stolen by XXXX XXXX XXXX acting on behalf of GM Financial XXXX. Pursuant 49 USC 14301 XXXX XXXX XXXXY had no security interest in the vehicle. THE security interest disclosure clearly states my security interest which was my signature secured all obligations. I allege unless rebutted that the original alleged principal amount of debt is not the correct species or value and that I may not even be the actual factual verifiable obligor of account for the alleged amount of debt I may or may not owe, as I invoke that I am a federally protected consumer, origin of credit meaning that I sign giving energy to create debt and I also sign as paramount interest user of consumer credit and I allege that pursuant congressional declaration 15 USC 1601 and all applicable section of the United States Code section 15 apply as by way of said transaction I played the role of consumer / origin of credit and that I did so extend my credit to an organization whereby that organization ; Notice, I now allege failed to provide written, oral, or video evidence as presentation for the fitness, performance and attributes pertaining to the account that was opened without my full disclosure, I so allege, and that I claim now that I am seeking and directly requesting an full extinguishment of accounting for all files, pursuant 15 USC 1681g ( a ) ( 1 ). I directly request all files have an extinguishment of accounting and that I now show cause for discovery and research being conducted on my part as the consumer defined pursuant 15 USC 1692c ( d ) being the executor, administrator, parent, not limited to those terms, though I now allege that any account opened using my information provided would in fact make me the parent of said account if that organization took for use any of I the consumer, affiant 's open end consumer credit plan that I the consumer demand consideration, compensation, and full evaluation, minimum I demand 3.5 % interest on all trades, and any proceed, or credit gained, not limited to those terms of positive credit as I know allege that no debt exist for the origin of account as that I allege credit of account may out weight the debt amount of account established during the origin of the consumer transaction, though by way of general rules of accounting and practices following, I alleged that I may not even owe any further obligation and that be it no one for any party associated with this transaction in question responds by way of rebuttal under penalty of perjury showing cause of any actual debt existing from the origin of the consumer transaction I request that the party affirm or swear under oath and obligation to secure any loss if not correct, so be it, and ; Further notice that I invoke a cease and desist order directed to your organization pertaining to communication as I directly dispute any validity of debt obligation in the estate name or trust I so use for operation public and private, and that I now am officially disputing and tracking all transactions to do notice of mistakes for the material mistake of fact, I am not an United States citizen engaging in commerce and trade, I am a consumer, and that I come from the land, I have a nativity, I have life force energy and I am the attorney in fact for all matters proceeding XXXX XXXX XXXX, so be it, and ; Notice I am the beneficiary of interest pertaining to my natural person whom I allege may be the placenta, tree of life, ambilical cord, shell, soul of which I came from and that I am the reflection of a living spirit and I challenge all obligations of debt in my name or estate name and I allege that credit of account is what is being wagered for negotiation ; Further notice that I the executor, XXXX XXXX of the land, acting master for all accounts, now mature to govern, ordain, and departmentalize all actions general, specific, juristic, and proscribed as I allege and state that from my research the United States pursuant 18 USC 8 be the party that I transfer the obligation for the principle amount of debt, and that I do so by way of the authority from the XXXX XXXX XXXX XXXX XXXX XXXX of " XXXX XXXX '', acting executorial trustee overseeing the public trustee 's applicable to operate in commerce unabated and unmolested to honor all and to act in good faith, so be it ; This is a direct dispute pursuant 15 USC 1692 h and that excluding the 1st payment must be returned in the direction of I the consumer and that be it no one can respond under penalty of perjury for any facts that I actually am obligated to pay such alleged obligation of debt that I conditionally accept that obligation proving proof of a signature accompanying a bill of particulars detailing any valid debt ; Notice I come in honor and I direct all prior payments excluding the 1st payment to I the consumer in my full legal name, payable and redeemable in functional currency. Pursuant to 15 USC 6802 ( b ). I never gave you consent or permission to the share of my information with any parties, collection agencys, or repossession
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| 05/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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complaint against : GM Financial XXXX GM repossessed a car that was deemed t otaled after an accident XX/XX/XXXX. Payments were up to date ( actually a payment was not due until XXXX of XXXX ) Car was repossessed at a salvage yard on XX/XX/XXXX. There was approx. {$2800.00} or less owed on a {$28000.00} loan and as I stated PAYMENTS WERE UP TO DATE ... NOT IN DEFAULT. My daughter purchased a XXXX XXXX XXXX in XXXX of XXXX, I cosigned for her. SHe was involved in an accident in XX/XX/XXXX when she was rear-ended by a driver with no insurance, suspended license. XXXX, the insurer of the car, deemed my daughter a non-covered driver and would not pay damages to car. PAYMENTS WERE CONTINUOUSLY MADE ON TIME TO GM FINANCIAL. Car was towed to her rented home to avoid impound fees ( which I paid around {$200.00} to get out the day after. ) GM had sent an appraiser out to inspect the care, it was deemed a total loss, as it was by XXXX. In XX/XX/XXXX, XXXX paid my daughter some money towards medical bills and lost waged, as I had uninsured motorist coverage. We tried to settle on a payoff amount to pay off vehicle, GM would not settle for less, we agreed to pay balance, and sent them {$9500.00}, leaving a little over {$3000.00} ... payments were not due until XXXX, I made an additional payment of {$350.00} on XX/XX/XXXX. My daughter who lives in Florida, this is where the accident happened and where the vehicle was, lives in a rented home. The car which was totaled sat in her front yard for a year. Her landlord was threatening to evict her if the car was not moved, so she called someone in the local paper to have it scrapped. The person who picked up the car, was aware she did not have the title. ( XXXX XXXX, XXXX XXXX ) My daughter asked if she should call GM Financial, he stated he would send a letter to them as required by law. I spoke with XXXX on XX/XX/XXXX and he stated he did not act a repo agent and did not bill GM Financial for storing the car, as I was told by GM Financial that he was acting as a repo agent and he did bill them for storage. GM informed me that as soon as my daughter had the car picked up it was a voluntary repossession. We were both unaware of this and since we were not in default of payments and my daughter was in danger of eviction from her home, she did not realize this would be the case. WE had full intention of paying off the vehicle when my daughters taxes came in and I made a good faith payment in XXXX when we found out the refund was going to be delayed. I was never notified until after the fact by letter and if they would have contacted me, I would have paid balance to clear title. I contacted GM on XX/XX/XXXX after I received letter and again on XX/XX/XXXX. On XX/XX/XXXX both my husband and I were on the phone for over 3 hours, transferred to multiple departments. The employees were very rude, raising their voices to us. Many times throughout the call, we were transferred to different departments that stated " we cant help you, the records are in such and such dept '' Many times during the call I was told thin '' gs that were not true or contradicted a previous statemtent. I was also told when I stated it would have been good customer service to call me to let me know that this was going to be a repossession, they stated '' If you had been in collections, we would have called you a couple times a day '' Also stated 'when your daughter called us, we told her it would be a voluntary repo '' but just prior to that, I was told " if you or your daughter would have phoned us ... '' They also stated that " when we were called to pick up the vehicle '' They were not called by anyone, GM responded to a letter sent by the person who picked up the junk car and called XXXX XXXX to make arrangements to pick up. I was told multiple times that the vehicle was going to be sold at auction ... I kept asking if they realized the vehicle was a total loss, they would not respond. I was finally told that " if you read the fine print, you would see you were in violation '' GM offered to send copy of contract and as of this date, I have not received it. I verified my NY address with the person at GM. So basically, overnight, they took the totaled vehicle on a flatbed, charged me the repo fees and placed a repossession on my credit report. My credit score went down 100 points overnight. I have full intention of paying off the amount due on the contract of the car, but I WANT THE REPOSSESSION OFF MY CREDIT REPORT as at no time whatsoever were were informed or stated we were in agreement to a voluntary repossession.
Desired Resolution : Correction to a credit report Desired Outcome I want the repossession removed from my credit report and my daughters credit report..
Complaint Detail Date of Transaction : XX/XX/XXXX Date of First Problem/Issue : XX/XX/XXXX Have you complained or contacted the business? Yes Date ( s ) Complained : XX/XX/XXXX Date ( s ) Complained : XX/XX/XXXX Amount disputed : XXXX Product/Service : XXXX XXXX XXXX Order, Contract, Account, or Policy Number : acct # XXXX
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| 07/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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My XXXX XXXX XXXX was authorized for a manufacturer buyback in XXXX, XXXX, due to well publicized issues of the vehicle 's battery pack catching fire. Before the buyback was authorized, manufacturer General Motors advised customers not to park the vehicle within 50 feet of any object ( must park outdoors ), and GM limited the range of my vehicle to 40 miles less than the advertised range that I paid for using a software update. This also prohibited me from charging my vehicle at home ( making my life extremely difficult ), and ultimately, leaving me without a car once my buyback was completed because it was nearly impossible to locate an equivalent replacement vehicle in the current market.
Before the buyback was completed, I called 28 (!! ) XXXX dealerships within a XXXX mile range of my home in XXXX XXXX attempting to secure a replacement car. 26 dealerships had no cars to sell and no ETA to receive more, and I was finally able to find one dealership who had a car to sell me at sticker price ( XXXX more than I paid for my similarly equipped XXXX vehicle ) which would arrive in a few weeks. So, in XXXX XXXX, I was now left without a car for 3 weeks once I had to turn my XXXX XXXX back in to GM.
On about XX/XX/XXXX, GM announced the {$5900.00} reduction in MSRP on the XXXX model of the XXXX XXXX. I was set to lease the model currently available, which is a XXXX. 2 days later, my XXXX XXXX arrived at the dealership. I asked if I could place a non-refundable cash deposit on the car and wait a few days to hear if GM would make an announcement on a price cut for the XXXX model. The General Manager of the dealership told me he was expecting a forthcoming announcement, however, I was also told " I've already sold your car to someone else if you dont pick it up today. '' Since there are essentially no electric vehicles on dealer lots for sale in Southern California, I had to go forward with my lease despite being told that an upcoming price adjustment may be happening. Otherwise I would not be able to commute to my job. Had the {$5900.00} price cut happened on the day I went to secure my vehicle, I would have purchased it outright rather than leasing.
To note - I've purchased 30+ cars in my lifetime. As long as I've been purchasing, EVERY SINGLE MANUFACTUER announces their monthly incentives, dealer cash, interest rates for financing and leasing, residual values, etc, to their dealers on or about the XXXX day of the month. Those are the fixed numbers for the month and do not change until the next month.
However, two days after my lease agreement was signed, GM announced the {$5900.00} price cut would also apply to XXXX models. Then on XX/XX/XXXX, GM announced that people who had purchased XXXX models before the price reduction would receive compensation from GM, who effectively reduced the values of their cars overnight by {$5900.00}. However, GM has stated that this compensation would not apply to Lesees.
But, here is the problem- I signed my lease 2-3 days later. Aside from being atypical to make an incentive adjustment mid month, GM knew that it would be making this announcement well in advance. This is a multi-billion dollar international company with thousands of lawyers and PR people. They don't make a corporate decision and press release it the same day. GM FInancial sets the RESIDUAL VALUE for a car lease based upon their realistic prediction of the value of the car a the end of the lease. Since GM knew it was going to announce the {$5900.00} drop in XXXX XXXX pricing in only days, the Residual Value provided by GM Financial in my lease was fraudulent and did not reflect the tremendous drop in the value of my car. The price I paid for my car should have been reduced by {$5900.00} to reflect the price cut. Additionally, GM leased me a car based on a residual value which they knew was totally unrealistic, and now with my car with so much less overnight, I will be vastly " under water '' on my lease, giving me no opportunity to contractually purchase my vehicle for anywhere near its real market price at the end of the lease since the fraudulent residual is so massively overinflated.
Because GM 's original Bolts had a battery flaw in the first place, I was now left without a car, forced into overpaying for an equivalent replacement vehicle with my out-of-pocket payment grossly overinflated, and additionally, I have no plausible path to purchasing the vehicle at the expiration of the lease because the real residual value will be far lower than that in my lease as provided by GM.
GM Changed the rules in the middle of my deal and offered my terms which they knew were based on fraudulent information. I contacted GM XXXX XXXX and they told me that the compensation did not apply to lessees and they would do nothing for me. I have additionally emailed General Motors CEO XXXX XXXX and other executives GM Financial Account # XXXX Vin : XXXX
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| 01/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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My name is XXXX XXXX and I am the " recent '' legal guardian of my " legally incapacitated '' brother as of XX/XX/XXXX. My brother has had 2 XXXX within the past 6 months. One on XX/XX/XXXX and another on XX/XX/XXXX. He is only XXXX years old.
Since his second XXXX, he has been unable to XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
My sister and I decided to get guardianship on him in XX/XX/XXXX. All the while we've been trying to get him well through XXXX XXXX and Private Care.
He had a XXXX XXXX XXXX that we thought was paid for because we were unraveling his financial situation. He is a private guy.
Well, in XX/XX/XXXX ... we received notification ( by luck ) that his vehicle was 118 days past due with GM Financial from a letter that was brought over to us from one of his friends.
Needless to say, we immediately contacted GM Financial. When I say " we '' I mean my sister and I. We share Guardianship responsibilities for him. My sister contacted them and advised them of his situation, " hence his delinquent status ''. Prior to his " 2 '' XXXX. His pay history was fine.
After my sister spoke with the collection representative. She called me and told me that we needed {$390.00} " immediately ''. I asked her if she had explained to them what's been going on with him. She said yes and that it didn't matter.
They needed a payment NOW " or else ''.
I didn't and couldn't believe that they would act in such a manner. So I called and spoke with the representative. At this point, there was a " clear '' break-down of communication and miscommunication. I advised the rep that we had just received this notice regarding the vehicle and that coming up with {$390.00} today or by the end of the week would be difficult considering the spontaneous request. However, I would be able to pay {$200.00} on XX/XX/XXXX and then the rest by the end of the month.
The just of the conversation was that the account needed to be caught up by " 1 '' payment to prevent a repo and/or charge off. I asked several times, " so as long as the {$390.00} is paid by XX/XX/XXXX, the account would be fine? '' The representative said " yes '' every time.
Because that was my understanding, I focused on making a payment by the end of the month instead of just the {$200.00}. So I called and left a voice message on the representatives phone that I would be making a full payment on XX/XX/XXXX.
I left two voice messages on XX/XX/XXXX. One at XXXX XXXX and another at XXXX XXXX attempting to advise them of my intent to pay {$390.00} in full on XX/XX/XXXX.
Today, XX/XX/XXXX ... the vehicle was repossessed. We immediately contacted GM and I asked, " what was going on? '' The reply turned into an entirely different discussion from my phone call. The reply was, " I told you that if you didn't pay the {$200.00}, that I couldn't prevent them from taking the vehicle. '', " We scheduled the {$200.00} for the XX/XX/XXXX and when it wasn't made there's nothing we could do to prevent the repo. '' Because my line of questioning was focused on making sure a payment was made by XX/XX/XXXX in the amount of {$390.00}. That was where my focus was. Had the representative been clear in saying, " I'm not going to stop the repossession '' OR " They can come pick it up any day if you don't pay the {$200.00} NOW. '' Then I would have Robbed, Peter to Pay Paul ... ( so to speak ) -- -But because I emphasized and she agreed that was more important was to make sure that a payment was made by the end of the month. That's what our intentions were and that's what we planned to do.
I asked had she received my " two '' voice messages. She said " NO '' ... she stated that she called me. However I do not have any call logs or incoming calls on my phone that shows that she called me to further discuss anything beyond the voice message that I left advising of the " full payment '' date of XX/XX/XXXX.
What's troubling is that I understand their position. The account was behind and subject to repossession. I get it. I'm not defending that position. But having some empathy for a legally incapacitated person ... whose family is trying to correct his situation in a short notice should've had some consideration. He needs his car to go to and from his Dr. 's appointments. He is still XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Remember, all of this transpired within " 1 '' week of us receiving the notice of the delinquent status. We came up with the money to pay it up and he was finally approved for XXXX. Which would've eliminated this problem from continuing. All of this was explained to the representative during all of the conversations. My sister advised her several times as well about his condition.
I made first contact on XX/XX/XXXX. The vehicle was taken on XXXX day- XX/XX/XXXX.
How unfortunate.
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| 05/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX On XX/XX/XXXX, I obtained copies of my XXXX XXXX and XXXX credit reports. The purpose of obtaining my consumer credit reports with the three major bureaus ( XXXX, XXXX, and XXXX ) was to ensure that there was not any inaccurate, derogatory information being reported.
Unfortunately, after obtaining and reviewing my three consumer credit reports, it appears that GM Financial is reporting inaccurate information on a closed auto lease tradeline ; this inaccurate information is severely affecting my credit score.
It appears the GM Financial is in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code section1681. It is my belief that should this matter be litigated, and I bring a damage claim under Section 1681h ( e ), I can prove that GM Financial acted with malice or willful intent.
The tradeline in question being reported by GM Financial is a closed auto lease account. The lease term, as specified in the original lease document, was for a 36-month lease term, starting on XX/XX/XXXX, and maturing on or about XX/XX/XXXX. I was not the original lessee, as I assumed the lease in XX/XX/XXXX from the original lessee ( vehicle VIN # : XXXX ).
On or about XXXX XXXX XXXX, I called the GM Financial Lease End department to inquire about extending my lease. I was told that I could extend the lease for up to 6 months. I was also told that while the lease was in the extension period, the GM Financial website would not allow me to make regular monthly payments. I was told that once the vehicle was turned in at a certified GM dealership, the lease extension payments would be calculated, along with any excess mileage and wear and tear, and the sum of those items would be my final amount due.
I turned in the vehicle in XX/XX/XXXX at XXXX XXXX of XXXX.
In XX/XX/XXXX, I contacted the GM Financial Lease Servicing Department by phone and spoke with a representative ( Reps name was XXXX, Employee ID # XXXX ). XXXX went over my outstanding balance and advised me that the outstanding balance could be repaid in equal monthly installments. XXXX advised me to call back after the weekend to have the payment schedule approved by management.
I started making payments in XX/XX/XXXX ; in XX/XX/XXXX, I was provided a XXXX XXXX Letter as proof that the account was paid in full.
Any derogatory credit bureau reporting should have ceased after the lease term matured in XX/XX/XXXX. The repayment agreement for the end-of-lease amount due for extended months, excess mileage, and wear and tear, was a verbal agreement.
GM Financial is also reporting conflicting information between XXXX XXXX, and XXXX.
On my XXXX credit report, GM Financial is not reporting any derogatory late remarks.
On my XXXX credit report, GM Financial is reporting the lease account 30 DAYS LATE FOR XX/XX/XXXX & 60 DAYS LATE FOR XX/XX/XXXX.
On my XXXX credit report, GM Financial is reporting the lease account 30 DAYS LATE FOR XX/XX/XXXX & 60 DAYS LATE FOR XX/XX/XXXX.
In addition, this GM Financial lease was a joint account, with XXXX XXXX being listed as a co-borrower. XXXX XXXX accessed and obtained his XXXX XXXX, and XXXX credit reports on XX/XX/XXXX, and GM Financial is also reporting conflicting information between XXXX XXXX, and XXXX, that actually differs from my report.
On XXXX XXXX XXXX credit report, GM Financial is reporting the lease account 30 DAYS LATE FOR XX/XX/XXXX.
On XXXX XXXX XXXX credit report, GM Financial is reporting the lease account 30 DAYS LATE FOR XX/XX/XXXX.
On XXXX XXXX XXXX credit report, GM Financial is reporting the lease account 30 DAYS LATE FOR XX/XX/XXXX & 60 DAYS LATE FOR XX/XX/XXXX.
On XX/XX/XXXX my lease co-signer, XXXX XXXX, disputed the reporting accuracy of this GM Financial tradeline with XXXX XXXX, and XXXX. GM Financial verified the late payments and as a result, they were not removed from XXXX XXXX consumer credit reports.
I am attaching printouts from GM Financial, evidencing payment confirmation numbers, for payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am attaching these because GM Financial for some reason is only reporting the account 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX.
I would add, to receive a 60 days late mark from a data furnisher, XXXX consecutive payments would have to be missed ; these payment confirmations should prove that was not the case.
In regards to the other derogatory late remarks for XX/XX/XXXX and XX/XX/XXXX, the lease term was already finished. Whatever outstanding balance that was due in XXXX and XX/XX/XXXX was not to be paid back, contractually, on installment terms, so GM Financial has no basis for reporting any derogatory information for those months.
ATTACHMENT ( S ) : 1 ) GM Financial Payment Confirmations ( XXXX to XXXX XXXX )
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| 11/22/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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We leased a XXXX XXXX XXXX late XXXX XX/XX/XXXX from XXXX XXXX XXXX. Within two weeks the car was in for service due to electrical issues and tire pressure issues. Within a week after that the car was in for the drivers seat moving and squeaking when driving. The continuation of problems continued to occur throughout the lease. Throughout our 2 years of leasing the vehicle the car was at the dealer over 15 times for numerous electrical and system issues. Nearing the 2 year mark the issue seemed to become more frequent and we were to the point where we were not comfortable driving the car any distance due to the numerous error messages, we were receiving around electrical and camera systems. In late XXXX early XXXX of XXXX we stopped into XXXX XXXX XXXX and shared our experience with the staff on the overall health of the car. They recommended that we contact XXXX as they suspected this car had larger issues and that XXXX would take care of the issue. Unfortunately, through numerous calls to XXXX, GM financial, and the dealership we received feedback that they can not help us and that we would need to speak to one of the other entities ( ie. When talking to XXXX they would say we need to talk with GM financial, when talking with GM financial they would say we need to talk to the dealership, when talking to the dealership we would be told we need to talk with XXXX ). After two weeks of this run around we provided the attached letter when we dropped off our vehicle at XXXX XXXX XXXX with a summary of our experience, a letter outlining our expectations and they recommended we continue to call XXXX.
For the next month and a half, we continued to try to work with GM/XXXX and requested to speak to a manager to help talk through a possible resolution due to the significant quality issues of the car. As you are aware when requesting to speak to management, they state it could take up to 72 hours to receive a call, numerous times I had to wait over 72 hours to get a call unfortunately no action was taken to talk through possible resolutions. After receiving our bill dated XX/XX/XXXX for {$3500.00}, we reached out GM financial and had a good conversation with a rep. They stated they were very sorry for the experience and that we needed to work directly with XXXX XXXX XXXXXXXX. They then stated they would note this conversation so that it there would be no action taken on our account. At this time, we were able to make contact with XXXX XXXX at XXXX XXXX XXXX who was very empathic to our issue and said he would work with us due to the numerous issues. We have continued to reach out to him for updates and also provides update to GM financial that we were working with the XXXX XXXX XXXXXXXX to find a resolution. On Tuesday, XX/XX/XXXX I was contacted by our financial advisor as we are working through a mortgage refinance that we had a negative hit on our credit and through more review found out that GM financial had sent our bill to collections and attached to our credit report. This event had an approximately 200 point impact on our credit, historically we had a mid XXXX and due to this addition to our credit report it moved us to XXXX. I reached out to GM financial immediately to discuss this issue and the rep validated that they did indeed see the notes in the system that we were trying to work through this. I requested to speak to someone who could discuss the overall problem plus fix my credit issue and they committed I would receive a call within 72 hours. I shared with them I would appreciate a call sooner as this has serious implications on numerous aspects of our financial health. I sit here today over 72 hours after my call to GM financial and have not received a call back. I would also mention that we reached out to XXXX again at XXXX XXXX XXXX who communicated this was great timing as the GM financial rep for the dealership was going to be there that day ( XX/XX/XXXX ) and he would discuss. We are still waiting for an update on that conversation.
In short, our disappointment began with the quality of our XXXX lease and the significant inconvenience and safety of owning this car however now it has been escalated due to the customer experience issues we have received throughout this process. The cherry on top was the addition of sending this to credit with no notification and a commitment from GM financial that this was notated, and no action would be taken.
My husband and I are successful, honest people that manage our business matters seriously. We could not be more disappointed in the quality and service related to the XXXX experience and the overall customer service we have received to try to work through a resolution.
I would appreciate a call from someone that can discuss the holistic solution and a possible resolution.
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| 11/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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The morning of XX/XX/XXXX I took a financing offer from XXXX XXXX to XXXX XXXX. Terms were 5.69 % and specific to the XXXX XXXX XXXX I was purchasing - XXXX XXXX had researched the vehicle with VIN. Spoke with salesman. He said he would submit the offer to the finance officer and she would call me. I had put only {$200.00} down in my loan details with XXXX XXXX, however I told the salesman when he asked if I could put more down. I said if required yes, and I was open to ideas regarding better terms from the loan officer. He said she would call by early afternoon. At XXXX I had not heard from the loan officer, so I called the dealership. Salesman went to speak with loan officer and said she had found a loan that was 1 percent better than XXXX XXXX was offering. I thought that was great and said I would be in the next morning when I had a short time window to finalize the deal. When I returned the next day the loan officer showed me the paperwork and the rate was 8 %. She said that XXXX XXXX doesnt always have all the details and thus terms could change. I shouldve walked out right then - knowing I had supplied XXXX XXXX with all the details - however I had shopped for a vehicle exactly like this for about 18 months ( they seem pretty rare especially in this good condition ) and wanted to get the purchase completed. Furthermore I did not have much time that day and was heading out of town that weekend. So I figured I would complete the deal and simply refinance. The loan officer then proceeded to try to sell me a few products she had worked into the deal. I declined two of them however accepted the Tire Care that she said costs about XXXX or XXXX dollars a month. When the paperwork came out, at which time I was pressing to make a work appointment, the cost was {$990.00} plus financing over a 60 month period. I told her her math of {$7.00} or XXXX was wrong - and asked if I could cancel this after the fact. She said yes. I finished the paperwork and purchased the vehicle - although not at all happy with the terms.
When I got back in town I called XXXX XXXX on XX/XX/XXXX to cancel the Tire Care. They instructed me to take a copy of the agreement to the dealer. I took a copy to the dealer on XX/XX/XXXX, spoke with the loan officer and asked if there was anything else needed from me. She said no, and that the refund would be sent to my finance company ( GM Financial ), which could take about a month to reflect on my account.
At this time I also called XXXX XXXX to ask why the terms they had given me were not honored. It turned out that because of the add on products the loan officer had thrown into the deal the loan to value ratio was changed and thus higher rates were generated. This was done without my knowledge! Furthermore, four additional inquiries were registered on my credit, which had a lowering effect on my score. This is unscrupulous and should be illegal ( yes, I know I signed an permission slip for this. ) I been involved in a lot of financial dealings - this by far is the biggest scoundrel thing I have ever encountered. Ive learned my lesson though - never go to the dealer for financing.
Back to the issue of getting a refund on the tire care. On XX/XX/XXXX I called XXXX XXXX to inquire about the cancellation.They said they had not received anything from the dealer so they would email me a form and take care of it. The emailed it to me, I returned it that same day. On XX/XX/XXXX I called XXXX XXXX to inquire if everything was in order and was told because I had bought this from XXXX I had to contact them for cancellation and transferred me to the XXXX Extended Service Plan department. They instructed me to send an email to them with instructions to cancel. I did that immediately. On XX/XX/XXXX I received a call from a different finance officer at XXXX XXXX asking me about the cancellation. After trying to re-sell me on the policy I declined and asked him to proceed with the cancellation. He said he would do so and I should have the amount - minus almost {$100.00} in cancellation fee and proration - credited to my account within a few weeks.
That was a month ago. I called XXXX Extended Service again this week to ask the status and this time was told they dont handle this, had no record of it and I would have to visit the dealer for the refund. Ive been trying to deal with this for over three months. I feel it was an all around scam all along. I would appreciate getting a refund - preferably in full. I also think a reform on the way auto buyers are handled in cases like this is in order to save others from this abuse, which includes being switched into higher rate loans based on having products that were not asked for or discussed being added to the loan amount.
Thank you.
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| 12/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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DISTRICT COURT : FIFTH XXXXXXXX XXXX, NEW MEXICO XXXX XXXX XXXX, XXXX, NM XXXX Plaintiff : AmeriCredit FXXXX XXXX XXXX XXXX XXXX GM Financial Vs.
Defendant : XXXX XXXX File # : XXXX Case # : XXXX XXXX XXXX, XXXX This is a response letter in reference to a summons letter I received on XXXX. This summons claims I owe the plaintiff XXXX. This also serves as a dispute letter to GM Financial and submission of complaint with the Consumer Financial Protection Bureau.
GM Financial failed to follow legal procedures in repossessing the used XXXX XXXX XXXX. GM Financial practiced Unlawful Repossession procedures : 1. I was not in default on the car loan. GMs account payment history does not reflect payments made on XXXX/XXXX/XXXX for {$520.00}, XXXX/XXXX/XXXX for XXXX, and XXXX/XXXX/XXXX for {$260.00}. I have included proof of those payments reflected from my bank statement.
2. GM Financial failed to send proper notification/written notice/phone contact for pending repossession activities.
3. Breach of Peace : GM Financial hired a towing company to repossess the vehicle. The towing company forcefully broke a lock on my front gate to get to the vehicle and entered my property. The towing company smashed the trunk of the vehicle with the tow hitch. The towing company threatened XXXX and force in taking the car-told me to get out of the way or they would hit me. One of the men had a large wrench in his hand and was menacing me with it. The other was in the towing truck. The towing company representatives appeared intoxicated at the time, so out of fear for mine and my familys safety, confrontation was not engaged. The representatives did not allow me or my spouse to remove items from the vehicle before taking it forcefully.
4. The towing company damaged the XXXX XXXX extensively during towing. They smashed the trunk of the vehicle and the left rear end of the vehicle. ( XXXX claim # XXXX ) 5. While towing the vehicle, the towing company further damaged my truck that was parked near the towed vehicle. ( XXXX claim # XXXX ) 6. I called GM Financial to ask what I could do to re-cooperate the vehicle. The amount they requested was more than $ XXXX total amount that was owed on the vehicle. I was also told that I would be responsible to cover the extensive damages that the towing company did to the vehicle. They told me I would have to seek other financing means. I felt at the time, that the vehicle would not appraise correctly due to the extensive damages that was caused to the vehicle by the towing company. They failed to acknowledge payments made on XXXX and XXXX.
7. GM Financial failed to return personal property that was left in the vehicle. ( XXXX presents and personal property were in the trunk of the vehicle ).
8. The vehicle was sold extensively damaged. The vehicle was in pristine condition prior to the towing company damaging it. The vehicle appraised and sold for much less than it should have due to the damage inflicted by the towing company.
GM and their repossession agents tactics are vile and unlawful. I refuse to pay for a balance on a vehicle I no longer possess ; a vehicle that was extensively damaged by their agents-therefore appraised and sold at a lower price. GM and their agents heinous acts are unlawful-I never received documentation or notification that the car was being placed for repossession. GM failed to acknowledge the vehicle was not in default. The companys agents broke and entered my property, then were threatening to mine and my familys safety. These actions were emotionally damaging to myself and my family-they repossessed the vehicle on XXXX XXXX, XXXX with the XXXX holiday just days away. I was not able to re-cooperate or replace XXXX gifts that were in the trunk of the vehicle. All this unnecessary grief and anguish over a vehicle that was not even in default. My credit has been damaged for 2 years without reprieve due to incorrect information provided to the credit bureaus by GM and affiliates. If anything, I feel I am owed and have been severely wronged by GM and its affiliates.
I demand these charges be dropped immediately. I demand that GM and its affiliates submit corrected information to the 3 credit bureaus-as the vehicle was never in default. Otherwise, I will pursue my right to countersuit for statutory damages to my credit, multiple property damage, breaking and entering, emotional and financial distress.
XXXX XXXX Attachments to follow : Bank statement reflecting XXXX and XXXX payments XXXX XXXX # XXXX and # XXXX CC : XXXX XXXX : XXXX XXXXXXXX XXXX, New Mexico XXXX XXXX XXXX, XXXX, NM XXXX CC : Consumer Financial Protection Bureau Complaint # : CC : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
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| 06/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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To whom it may concern : On XX/XX/XXXX, I took my leased XXXX XXXX in to XXXX XXXX for service on my brakes because they had become stiff and I almost crashed the vehicle. During this time the Service Rep XXXX XXXX explained that I would have to leave the vehicle. I requested to know if the mechanic working on the vehicle had any idea what was wrong with the vehicle since he had already heard the key complaints. According to Mr. XXXX, XXXX had received a bulletin from General Motors that there had been many cars coming back with serious brake master cylinder issues. Puzzled by his explanation I proceeded to ask Mr. XXXX could he elaborate. To which he said it has to do with the hose and the vacuum pipe. I then asked but if it is the hose and its a leak wouldn't brake fluid and a replacement hose fix the issue?? Mr. XXXX responded with a chuckle " No, its a lot more complicated than that ''. I then proceeded to take the chuckle as I'm a girl so I would not understand mechanic or vehicle repair jargon. Following this response from him I asked for Mr.XXXX to write down the issues so that I can do some further research at home. Upon arriving home I XXXX the term " XXXX Brake Master Cylinder Issues '' and immediately on the first page and site was " XXXX CLASS ACTION LAWSUIT OVER BRAKE MASTER CYLINDER ISSUES '' I proceeded to read the article and jot down the name of the attorney handling the case. It turns out a couple with the same issues as I brought their XXXXXXXX XXXX in to the shop for service for the brakes that were stiffening. Soon after the dealership told them they fixed it. The couple believing it was fixed drove the car got into an accident and nearly got killed. This couple then commenced a Class Action to which inadvertently I guess I will be a part of or not ... Not sure if I am. In any event getting back to my vehicle I called the following day for a status and to explained to Mr. XXXX that I had uncovered something I had not been made privy to. You see approximately several months before I had my brakes worked on by XXXX XXXX and no one let me know that they existed an issue with the brakes. At the very least if this bulletin has been out since XX/XX/XXXX when I leased my car and it is XX/XX/XXXX couldn't anyone notify us that there exist a SERIOUS ISSUE that can kill my entire family??? No instead I nearly get killed, the elderly couple who commenced the action almost get killed and scores of other helpless individuals that own or lease XXXX Vehicles Including the Nations Entire Police Force are forced to play XXXX Roulette with our lives in faulty vehicles and XXXX and General Motors CEO XXXX XXXX XXXX are reluctant to make this apriority and issue recalls on ALL XXXX XXXX, XXXX, AND 1500 TRUCKS!!! There are numerous complaints lodged with the National Highway Safety And Transportation Board and yet nothing has been done to remedy this serious issue. What's more is that if your out of warranty they will not fix it either!!!! I have contacted the General Motors Corporate Division to no avail. No help or assistance was provided. To add insult to injury XXXX XXXX the dealership my vehicle was at after learning I knew forced me to bring back the loaner and take my XXXX XXXX XXXX if I was NOT willing to pay for repairs!!!! When I explained that my husband was not home and I had my kids with me but did NOT want to risk putting in this vehicle they did not care. Not only were they callous but I was forced to go and get the vehicle with my infant daughters and son. When I yelled at the Service Manager out of anger for making take that risk they apparently called General Motors and requested that I service my vehicles elsewhere! A day or two after a rep from General Motors called and I was told never come back to the XXXX XXXX for service because XXXX XXXX had called to complain about me. Now mind you I leased my XXXX XXXX from them. I am outraged at the service from the XXXX Dealership and General Motors and at this point want them to let me out of this vehicle that I continue paying {$730.00} on and CAN NOT USE! its a lemon and will never perform satisfactory or safely. I will not feel comfortable letting anyone in my vehicle let alone drive it myself. Further research showed the XX/XX/XXXX-XX/XX/XXXX XXXX XXXX and numerous other XXXX models have Brakes Master Cylinder Issues, Vibration at Hwy Speeds, Lack of Air Bag Deployment, Air Conditioning Issues and other problems with Front Drivers Side Knocking Noises! I pray you can assist me with this XXXX XXXX!!!!! Thank you.
Respectfully, XXXX XXXX
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| 08/27/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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To whom it may concern : On XX/XX/XXXX, I took my leased XXXX XXXX in to XXXX XXXX for service on my brakes because they had become stiff and I almost crashed the vehicle. During this time the Service Rep XXXX XXXX explained that I would have to leave the vehicle. I requested to know if the mechanic working on the vehicle had any idea what was wrong with the vehicle since he had already heard the key complaints. According to Mr. XXXX, XXXX had received a bulletin from General Motors that there had been many cars coming back with serious brake master cylinder issues. Puzzled by his explanation I proceeded to ask Mr. XXXX could he elaborate. To which he said it has to do with the hose and the vacuum pipe. I then asked but if it is the hose and its a leak wouldn't brake fluid and a replacement hose fix the issue?? Mr. XXXX responded with a chuckle " No, its a lot more complicated than that ''. I then proceeded to take the chuckle as I'm a girl so I would not understand mechanic or vehicle repair jargon. Following this response from him I asked for Mr.XXXX to write down the issues so that I can do some further research at home. Upon arriving home I XXXX the term " XXXX Brake Master Cylinder Issues '' and immediately on the first page and site was " XXXX CLASS ACTION LAWSUIT OVER BRAKE MASTER CYLINDER ISSUES '' I proceeded to read the article and jot down the name of the attorney handling the case. It turns out a couple with the same issues as I brought their XXXX XXXX in to the shop for service for the brakes that were stiffening. Soon after the dealership told them they fixed it. The couple believing it was fixed drove the car got into an accident and nearly got killed. This couple then commenced a Class Action to which inadvertently I guess I will be a part of or not ... Not sure if I am. In any event getting back to my vehicle I called the following day for a status and to explained to Mr. XXXX that I had uncovered something I had not been made privy to. You see approximately several months before I had my brakes worked on by XXXX XXXX and no one let me know that they existed an issue with the brakes. At the very least if this bulletin has been out since XXXX when I leased my car and it is XXXX couldn't anyone notify us that there exist a SERIOUS ISSUE that can kill my entire family??? No instead I nearly get killed, the elderly couple who commenced the action almost get killed and scores of other helpless individuals that own or lease XXXX Vehicles Including the Nations Entire Police Force are forced to play Russian Roulette with our lives in faulty vehicles and XXXX and General Motors CEO XXXX XXXX XXXX are reluctant to make this apriority and issue recalls on ALL XXXX XXXX, XXXX, AND XXXX TRUCKS!!! There are numerous complaints lodged with the National Highway Safety And Transportation Board and yet nothing has been done to remedy this serious issue. What's more is that if your out of warranty they will not fix it either!!!! I have contacted the General Motors Corporate Division to no avail. No help or assistance was provided. To add insult to injury XXXX XXXX the dealership my vehicle was at after learning I knew forced me to bring back the loaner and take my XXXX XXXX XXXX if I was NOT willing to pay for repairs!!!! When I explained that my husband was not home and I had my kids with me but did NOT want to risk putting in this vehicle they did not care. Not only were they callous but I was forced to go and get the vehicle with my infant daughters and son. When I yelled at the Service Manager out of anger for making take that risk they apparently called General Motors and requested that I service my vehicles elsewhere! A day or two after a rep from General Motors called and I was told never come back to the XXXX XXXX for service because Mr. XXXX had called to complain about me. Now mind you I leased my XXXX XXXX from them. I am outraged at the service from the XXXX XXXX and General Motors and at this point want them to let me out of this vehicle that I continue paying {$730.00} on and CAN NOT USE! its a lemon and will never perform satisfactory or safely. I will not feel comfortable letting anyone in my vehicle let alone drive it myself. Further research showed the XXXX XXXX XXXX and numerous other XXXX models have Brakes Master Cylinder Issues, Vibration at Hwy Speeds, Lack of Air Bag Deployment, Air Conditioning Issues and other problems with Front Drivers Side Knocking Noises! I pray you can assist me with this Behemoth Lemon!!!!! Thank you. Respectfully, XXXX XXXX View full complaint
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| 06/24/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I began the lease buyout process mid XXXX, and it has been a disaster from the very start. It took numerous calls to XXXX XXXX XXXX, a third party named XXXX, and the dealership, all of which had me going in circles and gave contradicting information. I won't even get into that here as I wasn't documenting calls at that point. Had I known I would still be in the process of trying to buy out my lease two months later, I would have been. I did not know that I would still be in the process of trying to buy my truck two months later. Anyway, long story short, I finally obtained it on XX/XX/21 ( see Attachment 1 - Retail Purchase Agreement ).
I then applied for a loan for XXXX. I received a check for {$28000.00} on XX/XX/21 and per XXXX instructions ( see Attachment 2 - XXXX ) forwarded the check to GM Financial with the completed Authorization for Certificate of Title Release.
On XX/XX/21 I received a call from XXXX saying the check was short but I would have to call XXXX to find out how much. I called XXXX and they said {$290.00} but that I would have to handle the payment with XXXX. I called XXXX back and offered to pay the difference over the phone to get it taken care of. At this point their story changed, and they said they could not accept the check after all, as it was for a lease buy out and had to go through XXXX. They said the had NOT cashed the check and were mailing it back to XXXX. It would be mailed in 2-3 business days.
On XX/XX/21 I called XXXX to see if they could simply do a stop payment on the check and reissue for the correct amount to XXXX. They said XXXX HAD cashed the check on XX/XX/21 and the loan was active, that I couldnt have two loans on the same vehicle at the same time, and they would have to wait to receive the funds back. I conferenced in XXXX to ask why they cashed a check they couldnt accept, and why they told me they hadnt when they had. Those questions went unanswered. I asked them to get XXXX on the phone so that all parties were present as I now had a lease payment and and loan payment due within days of each other. XXXX got XXXX on the line and promptly hung up. XXXX said they would start the buyout process on their end from the beginning.
On XX/XX/21 XXXX called me because I was late ( for the first time in the 39-month lease ) on my payment. I explained the entire situation to the representative and paid {$600.00} to avoid it negatively impacting my over XXXX credit score ( see Attachment 3 - XXXX XXXX Payment ). The representative said the refund check for {$28000.00} was requested and would be mailed out in 2-3 days. I also learned that XXXX had cut ties with XXXX that day and I would have to complete the buyout through the dealership.
On XX/XX/21 I called XXXX to see if they had received the check. They had not. I explained that I did not want to make my first payment, which was due the following day on XX/XX/21 in the amount of {$380.00} being that they would be getting the funds back from XXXX presumably any day. They explained that I had a 14 day grace period before a late fee would be assessed for my credit would be impacted. More than enough time, one would think.
On XX/XX/21 I called XXXX to see if they had received the check. They had not. I called XXXX and after the standard 50 minute hold time just to get a representative on the phone, I was informed that the check was not sent out yet because of a 14 day waiting period - it would be mailed out on XX/XX/21. I was understandably frustrated and said a bad word, to which XXXX promptly hung up on me.
On XX/XX/21 I called XXXX to see if they had received the check. They had not. I called XXXX to see if it was mailed on XX/XX/21 and get the tracking number as one would presume there would be for a {$28000.00} check going through the mail. They told me it was not mailed on XX/XX/21, it was mailed on XX/XX/21 via standard mail so no tracking number.
On XX/XX/21 I was forced to make my first payment on the XXXX loan in the amount of {$380.00} ( see Attachment 4 - XXXX Loan Payment Receipt ) so as to, once again, avoid any of this from impacting my credit.
Overall I have {$980.00} sitting out there in limbo, all the while XXXX spouts lie after lie and sits on {$28000.00} for OVER A MONTH. Why is it that XXXX can get me a check in the mail next day, and XXXX takes weeks to reissue funds they never should have accepted?
See Attachment 5 - XXXX Lease Info for all relevant lease, vehicle, and customer identifying information.
|
| 08/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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I purchased a Certified used XXXX XXXX XXXX from XXXX XXXX in XXXX, California on XX/XX/XXXX, for {$26000.00}. Since owning the vehicle I have had constant issues, leading me to take the car numerous times to the dealership to be repaired and looked at. XXXX of the issues that have been occurring since owning the vehicle is that the dashboard will not turn on when starting the vehicle. This occurs at random and I can not figure out if there is a circumstance that creates this problem. Due to this specific issue, I have brought the vehicle in at least 4 times to be looked at. Of course, the issue is not occurring when I bring it in. However, when I bring the car in, I show them photos of the issue, which are date marked so they can see this is an ongoing issue. The dates I know the vehicle has been brought in for this are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, they say there is no problem. However, if this is the case, why does this keep happening? Despite me showing and telling them, they deny this is true, even when I show them evidence of the issue. Then on XX/XX/XXXX the day after the dealership said there was no electrical issue, the dashboard did not turn on. Clearly, the issue has been ignored once again.
In the interim of all of this, I initially had an appointment scheduled for XX/XX/XXXX, at XXXX XXXX in XXXX. When I got there, I was helped by rude servicemen ( I did not get his name ) who said they would not look at my car until the next day, despite my appointment being first thing in the morning at XXXXXXXX XXXX. When I asked if they could give me a rental car so I can get to work, I was denied a rental car and had no choice but to bring back my car another day. Unfortunately, I was not able to bring my car in until XX/XX/XXXX, because I was not able to take another day off work. ( I worked approximately XXXX miles from my house so taking an XXXX or XXXX would have been too expensive ). Following, this experience I made a call to XXXX directly to report what is going on. After, talking to a representative on many occasions, she wanted to ensure I was still going to my scheduled appointment on XX/XX/XXXX. I told her, yes, I was. On XXXX of the phone calls a week and a half before my appointment, I was called by the same representative and she told me they would offer a buyback of the vehicle. However, she still said to bring my car to the appointment first. After picking up my car the next day at the dealership ( they did not offer me a rental car or even tell me my car would not be ready the next day ) they said there was nothing wrong with the car ( no electrical issues ). Later that day, I got a call from the XXXX reprehensive and she said it was reported there was nothing wrong with the car and now there will be no buyback. Now, I am getting mixed messages from XXXX because they first offer a buyback, and now they wont. Following this, I filed an Auto Claim with the XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. Late that day I got a call from another XXXX reprehensive ( XXXX ). She said this was in response to the XXXX claim. She said that she will further investigate this issue ( case number XXXX ). However, a buyback is not an option. I am waiting for her to get back to me about this on XX/XX/XXXX. However, I have many concerns about this. Also, the claim with the XXXX was denied on XX/XX/XXXX, due to now having a car for over a year ; despite the claim and issues that have been occurring before then Lastly, on XX/XX/XXXX, I experienced a new electrical problem. When I started my car there was beeping as if the seat belt sensor or turn signal was on for too long. The stereo was put on mute and the car is not indicating a reason for the beeping. This beeping lasted at least XXXX minutes before stopping. No indication why. It just stopped. I want to emphasize there is a deep-rooted electrical issue that is being ignored and I still have 60 months left on paying my loan. At this point XXXX is expecting me to pay for a car with a serious electrical issue, that will only get worse and be very expensive to repair. I need help in dealing with this since the company does not seem to care about the concerns and the trouble this is causing me. I have spent so much wasted time dealing with this.
Please see attached photos of the dashboard off when the car is on ( dates included in photos ), video of the car beeping for no reason, XXXX Claim form, and service document from the last visit.
|
| 08/12/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
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Letter sent today regarding prior attempts ... GM Financial Attention : XXXX XXXX, President & CEO Attention : XXXX XXXX, Exec VP & Chief HR Officer Attention : XXXX XXXX VP XXXX Consumer Service XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX Attention : XXXX XXXX, Exec VP & Chief CFO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Recipients : You are hereby given notice that I, intend to commerce a lawsuit against you for {$75.00}, XXXX in damages or equitable relief due to ( 1 ) Breach of contract and depravity of services ; ( 2 ) Violation of FDCPA premature seizure and failure to return under reinstatement agreement XXXX XXXX XXXX ( a ) Email was sent to XXXX XXXX XXXX XX/XX/XXXX advising {$1200.00} would be sent to the account by XX/XX/XXXX. I was notified on XX/XX/XXXX that XXXX XXXX did not document the account. Therefore, the account went into repo status. XXXX XXXX has been my direct account contact since my Attorney General complain XXXX. There have been a few occasions where there were no responses to account inquiries on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX ),XX/XX/XXXX ( XXXX XXXX ) ; ( b ) Reinstatement arrangement scheduled by XXXX XXXX and agreed upon XX/XX/XXXX is payment of {$1600.00} by XX/XX/XXXX for the vehicle to be released. The {$1600.00} included loan payments, deferment payment {$150.00}, repo facility fee {$100.00}, repo fee {$390.00}, late fee {$230.00}. Payment of {$1600.00} was paid by XXXX XXXX and copy of receipt sent via email to XXXX XXXX XX/XX/XXXX. However, XXXX XXXX has not released the vehicle and has further used deceptive methods to maintain the vehicle, the payment, and cause further emotional distress, mental anguish and financial damage. Which leads me to believe that the reinstatement arrangement agreed and paid upon was false and misleading representation on the part of GM Financial/Americredit. ( 3 ) Violation of FCRA provisions ( a ) failing to correct inaccurate and derogatory information to credit reporting agencies ( b ) failing to follow up on credit reporting disputes ( c ) failing to refrain from continuing to submit information that you know to be inaccurate, and ( d ) providing results of the investigation of the dispute within five ( 5 ) business days after the investigation is completed ; ( 4 ) Violation of FDCPA of phone contact attempts by XXXX XXXX after he was notified multiple email exchanges to communicate in writing as XX/XX/XXXX ( 1XXXX XXXX ) ; XXXX XXXX required phone contact as a requirement to secure the vehicle AFTER the reinstatement arrangement Monday, XX/XX/XXXX and payment XX/XX/XXXX which was emailed to him with copy of the insurance policy. XXXX XXXX willfully ignored my multiple written requests to cease phone communications and conduct matters in writing as a matter of record XX/XX/XXXX ( XXXX XXXX ). I received two ( 2 ) calls from XXXX XXXX XX/XX/XXXX ( XXXX XXXX and XXXX XXXX ). These emails have been forwarded to GM Financial corporate office XX/XX/XXXX included in the complaint in which I to date have not received a response. I intend to file suit against you, the recipient ( s ), within 14 days after receiving this letter for economic damages, damages for mental anguish, vehicle damages and remedies expressed, including but not limited to court awarded punitive damages, recovery of costs and attorney fees ( 1 ) The XXXX XXXX XXXX has not been released and returned towed to the residence at GM GM Financial/Americredit expense no later than Tuesday, XX/XX/XXXX ; ( 2 ) The XXXX XXXX XXXX suffers in damage because of repossession activity ; ( 3 ) The XXXX XXXX XXXX appears in any auction to include, but not limited to the upcoming XXXX North Carolina Auction XX/XX/XXXX ; ( 4 ) The GM Financial account and credit reporting be corrected to reflect properly in status and any corrections provided to me and the credit reporting agencies in writing. You may contact me in writing via email to expedite resolution of this matter. I previously requested and have not received 1 ) A payment history of the account to inception 2 ) Copy of the original bill of sale 3 ) A transcription of the conversations with XXXX, XXXX XXXX and XXXX XXXX on XX/XX/XXXX 4 ) A confirmation of the repo date and an itemized breakdown of the repo fees to include the contracted tow, storage and labor cost
|
| 07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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Good Afternoon, I have been facing an ongoing issue with Credit Reporting and accuracy with GM Financial. I had my car paid buy the beginning of the year XXXX. Showed XXXX balance. I called again in XXXX because this was not showing on my Credit, nor was I able to pursue my Title.
For a young man this was the top of all my financial endeavors to clear, acquire and go on to better things, as we know how much this can solidify credit scores.
As XXXX approaches, I have called GM numerous times to get an update for my Credit Bureau. Still no answer on this topic, all they would tell me is that " Notes were added to my account and an Supervisor will review and reach out. This was not followed through.
This all as been increasingly hard to communicate over the past years. ( Even before the troubles started. ) I have not been late, also when I continued to inquire regarding this whole ordeal They were still reporting during these times of COVID. But at the same time GM could not give me details when I have called with this issue. Reps have passed me through different departments all stating they do not have access to this information. I was again promised an investigation and a call back from a supervisor. No word yet!!
This is incredibly frustrating while trying to move forward in life. As you know how much a credit score can build you or damage you.
XXXX approaches and I receive an email for late payment reporting by GM.
I call GM, demanding a supervisor and supervisor states I have an unsettled amount.
We talk this through, fully not understanding how this just appeared, however I do not agree with this tactic. I stated " I have paid off my car, showed XXXX balance, two months pass and I am reported for late payment, why is that?? '' The Supervisor could not answer and transfer me to a different department because of lack of information. New Rep further explains this is a Principal balance. I had to fight to get an answer to why my principal was not shown in my account on the app/web before this. They have stated issues in their system. ( This was stated by more than one rep on different occasions. ) The late payment charge which was not accurate, since my payments were set up automatically, any indication of problems. I would have been notified through my bank and GM. There were no notifications during this time. If I have a balance, I am fine with payment. But the surprise and system showing me past due is inaccurate and crippling!
I explain I have not missed a payment, She compliments me and thanks me for being a customer for the time and follows that up with. " She does not know what has happened for that to take place. '' I further this conversation, since this is the most help/answers I have got from GM.
She also states she will inquire about this to a higher level and a supervisor would call me back within 24 hours to review my case " this is the third time by a different rep, this has been promised ''. She also stated she would inquire to all payments that were reported late be removed for she has not that power and GM would launch a full investigation. While reviewing my account, reviewing all phone calls. I have yet to hear back. That has been over 45 days!
In addition to this, I have been trying to take the consumer route by disputing these records. I have been working with a credit repair company for sometime. These frustrating times have that company baffled. No response to there or side or me the customer have been communicated.
Amazingly, I was able to remove one of those late payment remarks from earlier this year, but others are still attached. This makes no sense to me, this tells me something is happening behind the scenes. They have not updated my credit with the three main Credit Bureaus. I can not get a straight answer from the company. I get transferred from rep to rep. This is now affecting other parts of my financial life.
To this point : I have done research on GM and have found I am not alone in this area, but that also does not make me feel any better to know I am not the only one currently undergoing hardships with this company, but does raise my concerns to get this cleared up.
In that research I have come across this company and site.
I am thankful someone can step in and clear things up. That way these companies can not bully around their customers with lagging information and inaccurate protocols!
Regards
|
| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you General Motors Financial Company , INC are in violation as I never gave you my information directly ; I, a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you General Motors Financial Company , INC used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I, a consumer, created the debt via my extension of credit to General Motors Financial Company , INC ; Notice that under 15 U.S. Code 1605- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and are aware that General Motors Financial Company , INC violated this right as shown in Exhibit ( A ) as the finance charge is not the sum of all charges.
You, General Motors Financial Company , INC, shall also know that Examples of charges which are included in the finance charge include any of the following types of charges which are applicable as stated Pursuant to 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge, charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge and are aware that you are in violation as this was not included in the finance charge as seen in Exhibit ( b ).
You are also in violation of 15 U.S. Code 1605 ( a ) The finance charge does not include charges of a type payable in a comparable cash transaction ( i.e. deposits or monthly payments ).
You General Motors Financial Company , INC shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You General Motors Financial Company , INC are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You General Motors Financial Company , INC are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ;
|
| 10/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My complaint is with the company GM Financial, regarding my auto lease. Here is rundown of my issue : -On XX/XX/21, I paid off my lease with a full lump sum payment of $ {$4600.00}. After this payment posted, I checked my account on GM Financial and saw that I had a {$0.00} balance and that I had 0 payments left on my lease. My assumption was that no more payments would be taken from my bank account.
-On XX/XX/21, a regular monthly payment for my car lease of {$330.00} was still taken from my bank account. I checked my account and noticed that my auto-payment was still active which caused the monthly payment to still pull. I de-activated the auto-payment at this time.
- After this XX/XX/21 payment of {$330.00} posted, I checked my account and noticed that the account did not reflect this extra payment. My account still showed {$0.00} balance and 0 payments, instead of - {$330.00} balance.
-On XX/XX/21, I tried calling GM Financial about this issue, however their phone lines were always busy. I attempted 3 phone calls, each one I was waiting more than 20 minutes and no one answered.
-On the same day, I started a chat conversation with GM Financial about this issue. I chatted with someone name XXXX, she said she was reviewing my account and then she never responded again.
-Same day, I chatted with someone name XXXX . I brought up the issue, and XXXX told me that the payment was cancelled and that I should see the refund in my account the next day. This was incorrect information -I did not see a refund on my account on the next day ( XX/XX/21 ) so I chatted again with GM Financial , this time with someone named XXXX XXXX She said that the refund was not processed yet by XXXX the previous day. She said she would process the refund that day and that it should take a couple weeks, since the payment would need to post and a check would need to be issued out. I gave the go ahead for this process to happen. This too was incorrect information, as I found out later that this refund was never processed at this time. I asked for a confirmation number to be provided for this refund, but was told that GM Financial does not provided confirmation numbers.
-On XX/XX/21, I chatted again with GM Financial XXXX asking for the status of my refund. I chatted with someone named XXXX. She informed me that a refund was processed as of XX/XX/21. Once again, this was incorrect information.
-On XX/XX/21, I chatted with GM Financial again, this time with someone named XXXX . Once I asked for the status of my refund, XXXX never responded to me and I exited the conversation - Sameday on XX/XX/21, I chatted again with someone name XXXX who confirmed that a refund was processed on XX/XX/21 and a check would be mailed out. This was also incorrect information.
-On XX/XX/21, I chatted again with GM Financial , this time with someone name XXXX XXXX XXXX informed me that a refund was NEVER requested and that the XX/XX/21 payment of {$330.00} was still on my account. XXXX told me she would request a refund at that time. I once again asked for a confirmation number, and was told that GM Financial does not provided confirmation numbers. I asked for the payment to be refunded to me via ACH payment, but was told that GM Financial only sends out physical checks.
It is now XX/XX/21, and I have still not received a check for my refund payment. Here are my main concerns with GM Financial : -Their system allows for the pulling of payments when account balances are at {$0.00}. This seems like a huge issue. Any financial record keeping system should easily be programmed to not pull any payment on an account balance that has {$0.00}.
-Even after an extra payment was pulled, my account never reflected this extra payment. My account showed no trace at all of an extra payment being applied to it.
-The customer service representatives either gave incorrect information to me, or never processed the one thing I had asked them several times to do.
-GM Financial does not provide confirmation numbers for any of the functions they perform. This seems very odd to me.
-GM Financial only sends physical paper checks, and no ACH payments. This is also odd to me. I have worked in XXXX for 13 years and confirmation numbers and ACH payments are something that I have personally handled every day. I worry that GM Financial simply won't do these things, instead of can't do these things.
|
| 06/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
After a review of my credit I disputed 2 late payments that occurred in XXXX and XX/XX/XXXX. The dispute came back that these were late payments. I called GM Financial and talked to a customer service rep about what we could do to get the payments taken off as that was a particularly hard time when I was dealing with the death of my fiance. The customer service representative gave me an email address to send my request to ( XXXX ).
On XX/XX/XXXX I sent the following to that email address : From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX XXXX Subject : Late Payment Forgiveness XXXX To : Name : XXXX XXXX Account : XXXX I currently owe {$130.00} in late fees for two late payments in XX/XX/XXXX an XX/XX/XXXX. I know my record of timely payments has been spotty in the past, but as I have stabilized out of a divorce and into my career I have made marked improvements in my timely payments. The two payments in question were late due, in part, to the sudden death of my fiance. I am asking that these two late payments be removed from my record. I am more than willing to pay the late fees upon removal.
Please review your records and contact me with your findings : Thank You!
XXXX XXXX I did not receive a reply. I sent the following to the same email address on XX/XX/XXXX : From : XXXX XXXX [ mailto : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Fwd : Late Payment Forgiveness XXXX ( Thread:XXXX ) Account : XXXX I recently sent the below correspondence to the email address the phone agent told me to send it to and received no reply so I may have sent it to the incorrect location. A bit of back story, I bought this car when my spouse left in the only vehicle we had, leaving me as the sole custodian of our XXXX and XXXX XXXX. It was rough as you can see by my payment history.
I have worked hard and am making more income than I was when I bought the car and my payments have been more timely. Last year I was late on two payments after the sudden death of my fiance and I would like to work with you to get them removed. I can pay the late fees I owe and will sign up for automatic payments as well. Would it be possible that we could remove them should I make my next 3 payments on-time? Is this something we can work together on?
Sincerely, XXXX XXXX After again not receiving a reply I called GM Financial and was given a different email address to send my request to ( XXXX ). I did get a reply that they were reviewing the account. Here is the exchange : Thank you for contacting GM Financial Online Customer Service.
Review of your account reflects that you have spoken with an account representative after sending your message below.
We appreciate your business and thank you for being a valued GM Financial customer. Please feel free to contact us with any additional questions concerning your account.
You may also contact Customer Service at XXXX.
Hours of Operation : Monday through Friday, XXXX XXXX - XXXX XXXX CT Saturday, XXXX XXXX - XXXX XXXX CT Sincerely, XXXX GM Financial Online Customer Service I had not discussed any of this issue with a phone representative at that time.
From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : Late Payment Forgiveness XXXX ( Thread:XXXX ) That review gave you incorrect information. I have not talked to a customer service representative since sending this email. Can I get a clearer answer to my concern?
Sincerely, XXXX XXXX Their reply : On Tue, XX/XX/XXXX at XXXX XXXX Customer Service Texas XXXX wrote : Dear Valued Customer, Thank you for contacting GM Financial in regards to your account. I see that you have disputed this directly through the credit bureau. Please allow our credit team to review your account and a resolution team member will be in contact with you.
For further questions, please contact us at XXXX XXXX XXXX XXXX.
Hours of Operation : Monday through Friday, XXXX XXXX - XXXX XXXX CT Saturday, XXXX XXXX - XXXX XXXX CT Thank you for being the most important part of GM Financial. I hope you enjoy the rest of your week!
Sincerely, XXXX GM Financial Online Customer Service I have written emails and only received a promise that they would contact me. This has been going on since XXXX and I think I am entitled to some sort of answer. I just want to work with them to get this resolved but they have not responded.
|
| 10/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
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This is a follow up from a previous complaint that was suppose to be resolved through the consumer protection finance bureau. I already filed a complaint with cfpb on XX/XX/XXXX against GM financial company. This company GM is just now XX/XX/XXXX billing me for a tax on a leased vehicle dating from XXXX. After an extensive process of trying to close out my account with them in finalizing the debt owed I received a satisfying notification reply through the cfpb that any debt on my account had been cleared and that my debt obligations had been met. The complaint I filed previously with cfpb is XXXX. I recently received a bill from GM Financial in the amount of {$270.00} that states I owe them for property taxes on the vehicle FROM XXXX. When I filed my initial complaint against GM Financial on XX/XX/XXXX they had failed to provide that in their final notice to me which I submitted copies of in the attachments from my previous complaint. I contacted gm financial by phone following the closing of the previous complaint to confirm that I was debt free and owed a XXXX balance. The company confirmed that I owed nothing more. after I received this latest notice from GM FINANCIAL I contacted XXXX city hall that bills out to the leasing company and it has been confirmed that the XXXX tax bill in the amount of {$250.00} was paid by the leasing company on XX/XX/XXXX. GM financial failed to provide me with my property tax owed in the letter that they sent me dating XX/XX/XXXX in which at the time they indicate the full amount that I owed was $ XXXX over 5 months had passed since they paid the bill to the city and the time I had filed the previous complaint and the letter that they sent to me with the final amount they were requesting. They had plenty of opportunity during the last complaint that I filed with the consumer finance business bureau when trying to close out my account with them to indicate this tax in which they failed to do. They also failed by phone communication to provide this information. When I contacted the company in XXXX of XXXX - 6 months after they paid the bill to the city of XXXX they had a obligation to provide me with that information and they failed to do that. At that point 6 months after the tax was paid GM financial when asked by me if I owed any further taxes on that vehicle told me NO that I did not and that there was nothing showing on the account that I owed any more taxes. Again, this is a follow up call I made 6 months after the tax was paid to the city and GM is telling me that my account is clear. GM financial has a very poor system of accountability and account handling of of this entire situation. GM Financial has a responsibility to provide all information when requested and they failed to do that. GM FINANCIAL FAILED TO PROVIDE AND INDICATE IN THEIR END OF LEASE LETTER THAT I OWED THIS. WHY DID THEY NOT INDICATE THIS IN THIER CORRESPONDENCE WITH ME AND THROUGH THE COMPLAINTS THAT I HAD FILED WITH THE XXXX AND cfpb.??? They provided a document XX/XX/XXXX with the final balance and had cleared me of any further obligations. Now I am receiving a property tax bill from them dating XX/XX/XXXX stating that I owe them {$270.00}. With all the documents and their letters and the former complaint that proved they released me of all debt and their failure to provide all accounts in their letter dating XXXX I should not be obligated to pay this company another dime. I am so frustrated in the way GM has handled my account and I am going to continue this fight if it takes me alI the way to the supreme court. I am requesting that GM FINACIAL hold up to their previous documented notices and statements through this complaint process and dismiss this debt and close out my account!!! Someone from GM needs to be held accountable for the mistakes that have been made on my account and the grief I have been put through. When i recently advised GM that when I got this recent letter I was so upset that I left my home to go to the motor vehicle office to discuss and accidentally left my stove on. When I came back my house was full of smoke and my little dog was in there and could have been hurt. GM didn't have much heart about it. They only care about the money but i care about what is right and holding true to your word!!!. I believe they are taking advantage of customers who do not renew their lease with them.
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| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I would like to file a complaint on XXXX because I have been disputing two accounts XXXX XXXX and XXXX XXXX since XX/XX/XXXX. XXXX results always come back Updated and XXXX has supplied me with many results over the course of my 1st initial dispute and my recent results. In every results XXXX generates for me there is NO NOTICE OF DISPUTE in the COMMENT CURRENT section in regards to each account.
XXXX XXXX has a current comment Account paid in full for less than full balance XXXX XXXX has a current comment Account closed at credit grantors request To my understanding in the FCRA 1681i ( a ) ( 2 ) ( A ) before the expiration of the 5 business day period beginning on the date on which a consumer reproing agency receives notice of a dispute from any consumer, the agency SHALL provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice SHALL include all relevant information regarding the dispute that the agency has received from the consumer.
Since XXXX has generated me with results over the course of my first initial dispute regarding both of these accounts. XXXX is claiming under oath that XXXX has sent notice of my dispute to these creditors including all relevant information.
According to 1681s-2 ( a ) ( 3 ) these creditors have a duty to provide a notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is dispute by the consumer.
Both of these accounts DO NOT have a notice of dispute nor have ever had a notice of dispute proving that a investigation has been conducted properly by XXXX or these creditors.
My last indirect dispute sent to XXXX was on XX/XX/XXXX was based on the fact that there was no notice of disputes in the comments sections of my reportXXXX has generated me with results on XX/XX/XXXX and AGAIN these accounts come back updated with NO NOTICE OF DISPUTES in the comment current section. If you look at the BEFORE and AFTER results on BOTH of these accounts you will see that there has NOT BEEN ANY UPDATES nor has there been any indication that theses creditors have even reported any new information because the Balance Updated shows INCOMPLETE information. If these creditors updated information with XXXX then the dates these creditors updated the information should reflect on the Balance Updated field.
I DO NOT believe XXXX is following proper procedures under FCRA 1681i ( a ) ( 1 ) ( A ) and I think XXXX is just generating me results thinking I am going to give up on disputing which I am not because it is my right to dispute anything on my consumer file that I believe to be inaccurate. The way both of these accounts are reporting is INACCURATELY and INCOMPLETE and I also DO NOT believe that XXXX is following reasonable compliance procedures to assure all reported fields are to the maximum possible accuracy before preparing me a new report 1681e ( b ). XXXX FINANCIAL ERRORS and INCOMPLETE information on XX/XX/XXXX results -Balance Updated INCOMPLETE -Balance INCOMPLETE -On Record Until XX/XX/XXXX INACCURATE according to the Payment History the date of deliquency was on XX/XX/XXXX -I dont even know if the payment history is fully accurate either.
-Comment Current INACCURATE and INCOMPLETE ( no notice of dispute ) XXXX XXXX ERRORS and INCOMPLETE information on XX/XX/XXXX results -Balance INCOMPLETE -Balance Updated INCOMPLETE -I dont know if the payment history is fully accurate either.
-INCOMPLETE On Record UNTIL ( required information to report 1681c ( c ) ( 1 ) ) -Original Balance does not apply to this revolving account ( INCOMPLETE CREDIT LIMIT FIELD ) -Comment Current is INCOMPLETE and INACCURATE ( no notice of dispute ) Bottom line I do not understand how XXXX can generate me with many results since my first initial dispute XX/XX/XXXX but these accounts do NOT have a notice of dispute proving there investigations were all legal and proper. These accounts still reflect inaccurate and incomplete information therefore under 1681i ( a ) ( 5 ) ( A ) ( i ) XXXX was required to delete these items a long time ago if they simply could not modify the errors.
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| 07/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Below is the email that was provide to GM Financial on 3 separate occasions receiving no response either times it was submitted. The letter was sent to address what I feel is an unwarranted 30 day late on my credit reporting.
The first letter was sent on XXXX XXXX to an email address provided by an XXXX with GM Financial. This was sent after multiple calls with representatives XXXX, XXXX, and XXXX produced no result. The second time this was as the result of a call I received after filling out a satisfaction survey GM Financial had sent me. XXXX XXXX reached out to me for clarification after my survey. After discussion, she asked me to forward her the letter. After 2 weeks I reached out again and she said she did not receive it. I sent it again to her on XX/XX/XXXX. She responded that she receive it and would review with leadership and update me with progress. I have received no follow-up to date and even emailed XXXX on XX/XX/XXXX to ask about it. Obviously both times I have waited longer that the 30 days I believe they have to respond per regulations.
The letter read : On XX/XX/XXXX ( XXXX ), I was left a message with a return phone number to call. I was not able to return the call that day but when I got the same call the next day I was able to respond. I was alerted that my GM Financial account # XXXXXXX was past due for a XXXX payment. Not believing that to be the case, I looked into it and found that the payment never came out of my bank account even though I set it up on GM Financial website the week of XX/XX/XXXX. I remember this specifically because I did this before going on vacation the following week.
First, something went wrong and I have every reason to believe it was something within the GM Financial system. I have spoken with 4 people now in regards to this from GM Financial. XXXX told me in regards to the website not working right, Yeah, we get that a lot that there is problems.. XXXX also said there can be problems, and XXXX told me roughly, It is technology so there is going to be problems with it.
Secondly, I find it ridiculous that GM Financial did not make contact with me and leave me a message until the payment was nearly 50 days past due. I have been told that calls were made in XXXX, but that was to the home phone number that we no longer have. No one made an effort to call me on the other numbers that were on file until XX/XX/XXXX??? That is unacceptable and is the fault of GM Financial. I would have taken immediate action to make the payment had I been aware of the missing payment.
Additionally, I was accustom to receiving confirmation emails when I made payments. When I was made aware of the missing payment, I immediately looked for this confirmation email. I found that my confirmation emails were always received up until XXXX of XXXX. Then I received one other in I believe XXXX. I had made NO changes to my account that would have affected this change in my notification. In fact, until speaking with XXXX, I did not know these setting were even available to me on My Accountonline. Again, GM financial is responsible for this error in my notifications as something or someone within GM Financial made these changes.
I am requesting that the 30 day late that will be reporting on my credit be deleted. I have had credit problems in the past due to loss of employment, but that has been corrected and I have worked very diligently for several year to make all my payments on time. There is more than enough here to assign fault to GM Financial, and I insist this is taken off of my credit reporting. I have spoken with several GM Financial people and all have made excuses as to why this is not GMs fault, but this is without doubt problems with several aspects of GM including the technology and communication.
I am frustrated that this needs to be communicated to the department that can make this change for me through a letter. I do not feel this is customer service at all. I would like someone with the authority to make this change to call me to discuss this situation. I can be reached at XXX-XXX-XXXX and please leave me a message with a number to call if I am unable to answer. There is no reason that this should take more than 3 to 4 days to resolve. Please contact me right away, as I have other credit actions that I am looking to make in the immediate future.
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| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I attempted to contact GM Financial via telephone ( placed on hold ), text ( kept switching operators - wanted me to type a large text about the complaint etc - waste of time for a complaint ), and internet ( I received an error that they couldn't accept the complaint and to try again later. I also attempted to make a dispute with TransUnion via the 'start a dispute Online ' link but received a message that their site was not working. The letter I wrote is below.
This auto loan was opened on XX/XX/XXXX. I received a statement and paid more than the minimum payment every month for 18 months until XX/XX/XXXX with a balance of approximately {$15000.00}. I have not received ( and I doubt a statement has been mailed ) a statement since XX/XX/XXXX. I assumed that I was ahead on principle, thus would not receive another statement until GM collected the 5.9 % interest they were losing due to the quick payoff. Then COVID arrived and I was grateful that I made those large payments and would not have to worry about a car payment for a while. Note : I do not want nor have I requested to do business online with GM Financial.
In XXXX of this year, XXXX, I received a call from GM Financial stating they had not received a payment from me and the account was delinquent {$440.00} for XXXX ( Apparently the bill was due on XX/XX/XXXX - Im thinking my initial conversation with an operator occurred XX/XX/XXXX or XXXX XXXX to 4 days after the due date ). I immediately let them know I did not receive a statement. The operator asked for my address indicating it was listed as XXXX thus maybe it didn't get to me for some reason. It was updated to XXXX XXXX XXXX. Weird since I received statements for 18 months across XXXX - XXXX. I was asked to make a payment online and I informed the operator that I intended to make a payment thru the mail when I received the statement. The operator provided the GM Financial mailing address as well as my account # to write on my check just in case I didnt receive the statement. I was reminded, the due date is the XXXX of each month and if I don't receive a statement, especially because of COVID and the complications with mail not getting where it is supposed to go in a timely fashion, to send a payment even if I dont receive an invoice. ( Hmmmm - what is going on here? This doesnt feel right. Im smelling smoke. ) I waited many days ( I'm not sure how many ) confident I could rely on GM to do the right thing and mail an invoice, but it did not arrive. I again received calls from GM Financial and decided to make an online payment of {$3000.00} on XX/XX/XXXX. Note : I support our US Postal Service and I do not want to do online banking!
A couple of days ago, I received a bill from another company indicating my FICO score had dropped to XXXX - What? I don't remember the last time my FICO score was below XXXX. This is not right. I printed the XXXX Credit Report to find that GM Financial had made an adverse report stating, 'Maximum Delinquency for 30 days in XX/XX/XXXX for {$420.00} '. This is not accurate since the amount was due XX/XX/XXXX and payment was sent XX/XX/XXXX. This is GM 's error, not mine and I would like this to be removed from my credit report. As an FYI, I have not received a statement from GM Financial since XXXX of XXXX.
Some quick observations : I received messages from and talked to several different operators - customer service was excellent!! I want to believe GM is committed to conducting business ethically, honestly, acts with integrity, takes accountability for results, and does the right thing. Research indicates this is questionable. I have not had any problems with the US Postal Service, not during COVID or during the months when the Trump Administration deliberately tried to hamstring the USPS in advance of the XXXX election to help his re-election bid. I consider this incident predatory and hope it wont happen again.
I would like my credit report corrected since I have not received a statement from GM Financial since XX/XX/XXXX. This is GM 's error, not mine. The payment was not 30 days delinquent since it was due XX/XX/XXXX and payment was received by GM on XX/XX/XXXX. Again, I do not want to conduct online banking and prefer to use and SUPPORT the U.S. Postal Service thus expect a statement as soon as possible.
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| 08/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with signing the paperwork
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Web |
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Re : My response to Consumer Financial Protection Bureau Complaint Case Number : XXXX Response by GM Financial XXXX AmeriCredit XXXX XXXX XXXXXXXX.
This is my response to your response you submitted to cfpb.gov on behalf of my complaint about the Truth In Lending Act and Regulation Z, Federal Trade Commission Trade Regulation Rules pursuant to 16 CFR 433, and Equal Credit Opportunity Act 15 USC 1691 violations in this consumer credit transaction and consumer credit contract regarding the down payment being included in the finance charge and finance charge being the sum of all charges pursuant to 15 USC 1605 also that insurance was suppose to be included in the finance charge and various other violations in this consumer credit contract provided by you and XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX, they swapped the initial deal back for the XXXX XXXX XXXX XXXX XXXX and from the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX had a deal fall through so they said I was approved for it again and we commenced into the consumer credit transaction once again for it, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and XXXX told me that the down payment would be included in the finance charge, which should not include anything in an comparable cash transaction including cash also would be a violation of 15 USC 1662 ( 2 ) because the down payment was unique to this transaction and was not customarily arranged in payments, along with warranty and tire plan but not insurance which also should have been included as well, so once XXXX XXXX XXXX sent over the consumer credit contract digitally for me to sign I looked through it and found numerous violations in it 16 CFR 433.2 of the Federal Trade Commission Trade Regulation Rules state that I can assert my rights as a debtor in any aspect of the transaction including before signing for false and deceptive practices, so I made XXXX XXXX XXXX aware of the violations in the consumer credit contract during the consumer credit transaction expressing my rights in good faith about the violations also the down payment he tried forcing me to put down saying that AmeriCredit XXXX XXXX Required it and I got discriminated against which was a violation of XXXX XXXX XXXX ( a ) ( XXXX ) of the Equal Credit Opportunity Act. GM Financial XXXX AmeriCredit XXXX Services responded XXXX XXXX Consumer Financial Protection Bureau saying I was approved for the vehicle loan and that it was the dealership trying to make me put a down payment down which would violate both 15 USC 1605 and 15 USC 1662 ( 2 ). So if I am approved for the vehicle loan and you state that it wasnt required by you to put the down payment, I will go to XXXX XXXX XXXX XXXX XXXX XXXX and finish the deal for the XXXX XXXX XXXX XXXX XXXX, preferably sign digitally since I am working out of state at the moment, and either pick up or have vehicle delivered to my home without any money down to avoid violating the Truth in Lending Act no Adverse Action or unfavorable changes to any of the terms because that would be also a violation of 15 USC 1691 of discrimination after I was already guaranteed approved and I expressed my rights in good faith, or any denials because this would also be the same. I will attach the response letter from which GM XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent to the Consumer Financial Protection Bureau as response to my complaint for reference also the affidavit of truth and contract violations I attached to complaint and emailed over to both XXXX Sellers XXXX XXXX XXXX XXXX and GM XXXX XXXX, XXXX XXXX XXXX XXXX XXXX with no response. I can also send in the audio recording of XXXX XXXX XXXX saying what is included in finance charge. I dont want to be a hassle I just want to conduct business the lawful way and not in a false and deceptive one and get my consumer credit that were to be provided to me for purchase of the XXXX XXXX XXXX XXXX XXXX, I will also cc this to XXXX XXXX XXXX XXXX XXXX XXXX, the Louisiana Attorney XXXX XXXX, Federal Trade Commission XXXX and the Consumer Financial Protection Bureau via certified mail with signature return receipt.
My contact info is for any responses : XXXX XXXX XXXX.
XXXX XXXX All rights Reserved, Without Prejudice
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| 03/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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We have two very critical complaints.
Part 1. GM Financial 's online payment system consistently was problematic which caused payments to be skewed, unrecorded, or improperly assigned to the correct month. We were unaware of the discrepancies in their billing system for the following reasons : their online system was difficult to navigate and we were unable to review monthly payments as assigned per month ; was often offline/unavailable due to their IT issues ; no matter when we paid every month, their online system consistently reported that we owed a month 's payment ; numerous calls to Customer Support were unproductive- they shared inaccurate information, promised numerous times to mail hard copies of our monthly reports which we never received, and failed to fulfill other promises such as correcting information held by the credit reporting agencies.
To summarize the below information : our credit has been negatively impacted by two false cases of unrecorded payments, which were paid, but which GM Financial used to then report on our credit history a total of 6 'over 30 days ' late payments in XXXX and XXXX. The following are facts that we can prove : XXXX. XXXX XXXX we made a payment within 30 days and we were never informed there was an issue with that payment either online or by mail. GM Financial, unbeknownst to us, then took our XXXX payment and applied to XXXX, and took our XXXX payment and applied it to XXXX, causing all three months to be recorded as over 30 days late. After 3 months of recording incorrectly, they corrected their mistake in XX/XX/XXXX. GM Financial, however, never corrected our payment history report and listed those 3 months XXXX XXXX, XXXX, XXXX XXXX as all being over 30 days late to all credit reporting agencies.
XXXX. XXXX XXXX the EXACT same situation occurred in XXXX. XX/XX/XXXX payment not recorded, then XXXX 's payment was applied to XXXX, and XXXX 's payment was applied to XXXX. GM Financial, unbeknownst to us, corrected their mistake again but failed to edit any of their credit reporting mistakes.
Other than being continually confused by their online/hard copy payment statements, we were unaware that they had reported these inaccuracies due to their own failed system until we went to lease a new car and our credit report was revealed.
Since that time, we have had two lengthy conversations with GM Financial representatives that have had numerous short ones that have yielded no positive results.
Part 2 : We are contesting GM Financial 's report that there was excessive damage and wear to the car when it was returned at the end of the lease.
Before returning our leased vehicle, we took it to a body shop to have any damage repaired. The day we went to the dealer to return the leased car, no representative was there to review and check in the car. We requested that a dealer rep be present to look the car over but were told that they would contact us when they were ready for inspection and allow us to be present. We received no notification. The report received by GM FInancial showed damage that was not present when we released the car. Furthermore, after reviewing the photograph, it is obvious to us that it was not our car in the photograph due to the following : 1. in the photograph, there was a picture of the vehicle 's engine compartment and there were numerous oak leaves packed under the hood- we have no oak trees on our property and furthermore, we were diligent to keep the engine compartment clean when the vehicle was in our possession ; 2XXXX the front bumper was replaced immediately prior to returning the vehicle and the picture revealed a great deal of dust and dirt that could not have been accumulated in the short week 's time prior to its return to the dealer ; 3XXXX the body shop prior to releasing the vehicle, corrected any damage and the damage shown in the photograph did not exist when we dropped off our vehicle ; 4. there was an identical car in the background of the photograph which we believe was, in fact, our leased vehicle.
Bank statements and GMFinancial website statement screenshots that demonstrate and prove the inconsistencies can be provided by request as needed to resolve and support our dispute.
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| 12/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I, the consumer and natural man entered a consumer credit transaction XX/XX/XXXX for the purchase of a XXXX XXXX XXXX XXXX from the seller, XXXX XXXX and assignee, GM Financial. Upon careful review of the Retail Installment Sales Contract and Purchase Money Security Agreement I have notice multiple billing errors. In regards to actions taken pertaining to this transaction, as of XX/XX/XXXX and by way of certified mail, I have exercised my Right of Rescission via a written notice and notarized affidavit of truth to the seller, XXXX XXXX XXXX XXXX. Though XXXX XXXX has communicated with GM Financial since the reception of my affidavit and notice, no action has been taken by XXXX XXXX or GM Financial to cure. In addition to, I have not yet taken written action against GM Financial, as XXXX XXXX had an opportunity to cure and did not respond to my notarized affidavit or notice of rescission with a notarized rebuttal, nor accept my offer to tender within 20 calendar days with respect to 12 C.F.R. 1026.23. Specific to the billing error, I have expressed violations under Regulation Z ( TILA ), FDCPA and FTC Act.
Finance Charge : {$7700.00} Amount Financed : {$17000.00} Number of Payments : 72 Amount of Payments : {$340.00} Itemization of Amount Financed : Total Cash Price : {$21000.00} Dealer Documentary Fee : {$340.00} Other ( Etch ) : {$290.00} Payments made on my behalf to Public Officials for official fees : {$390.00} Down Payment : {$6000.00} GAP : {$790.00} ( Claim of ) unpaid balance : {$16000.00} Under 12 C.F.R. 1026.13, I have noticed multiple billing errors in the Truth-in-Lending disclosures section of the Retail Installment Sales Contract and Purchase Money Security Agreement. The first being the number of payments as well as the amount of payments seems to be inaccurate on the Payment Schedule. With the support of all terms defined under 16 C.F.R. 433.1 and its specific definition under 16 C.F.R. 433.1 ( d ) which describes a purchase money loan in regards to the Truth-in-Lending disclosure is defined as ; A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and Regulation Z, which is applied, in whole or substantial part, to purchase goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract or business arrangement. Under Regulation Z, also known as truth-in-lending, the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. As another reference to the finance charge, 15 U.S.C. 1605 ( a ) states : the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. With this understanding in reference to myself as a consumer, a consumer during such a transaction is subject to pay the finance charge, billed at a deferred date. However, if the finance charges are paid at the time of the purchase money agreement, there is no further agreement or obligation to pay. Itemized in error is the finance charges and that which is to be paid by the consumer. With consideration to UCC 9-103 and the official comments in part, which state : The concept of purchase money security interest requires a close nexus between the acquisition of collateral and the secured obligation. Thus, a security interest does not qualify as a purchase-money security interest if a debtor acquires property on unsecured credit and subsequently creates the security interest to secure the purchase price.
Pursuant to 12 C.F.R. 1026.13, the next billing error can be seen on the amount of credit provided to me or on my behalf ( {$17000.00} ). There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer-in-fact.
These billing errors may be assumed to be furnished with wilful intent on misleading and/or deceiving the consumer of the character/amount of any debt ; 15 U.S.C. 1692e.
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| 03/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/XXXX I applied for an automobile loan through XXXX XXXX for the purchase of a XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Finance Manager XXXX XXXX informed me she had a lender approved. She gave me terms on the loan and I asked if she could look into adding an extended warranty. She told me it would be difficult because i was already close to max payment bank allowed. I understood that i had a higher interest rate and payment because I was coming out of a newly discharged bankruptcy. I took a couple of days to consider the loan and look into obtaining an extended warranty on my own.
On Monday, XX/XX/XXXX, I called XXXX XXXX and told her Id like to test drive the car one last time and make a decision. After test driving that evening, I learned XXXX XXXX was the lender and I gave a partial downpayment in the form of {$650.00} signed paperwork to purchase the vehicle. There were some minor repairs being made to the car, so I was told I could pick up the vehicle and finish paperwork and pay remaining downpayment on Wednesday, XX/XX/XXXX. The vehicle was not ready until the evening of Thursday, XX/XX/XXXX ( there were still repairs that were not completed but that is another story ). On XX/XX/XXXX, I paid the remaining {$1300.00} down payment and took possession of the vehicle.
Over the next two weeks XXXX XXXX and I communicated on several issues related to the vehicle. She did on at least two occasions inform me XXXX was trying to verify my employment. I told her the owner stated he did have any messages from XXXX but if I could get a contact number he would be happy to call them. I requested contact number from XXXX XXXX, no response. On XX/XX/XXXX, I received what was called a " welcome '' a call from XXXX. The call consisted of my answering questions related to my employment, residence and information on the vehicle. I thought this call would suffice for my employment verification. Obviously, it did not. On Wednesday, XX/XX/XXXX, I received a call from XXXX XXXX regarding verification. Via text asked could she provide a number my supervisor could call. No response. On Thursday, XX/XX/XXXX, I looked up XXXX 's contact and i sat in my supervisor 's office while the company owner confirmed my employment to XXXX 's funding department representative.
On Monday, XX/XX/XXXX, I received notice from XXXX XXXX that the bank denied the loan and the vehicle needed to be returned. Per XXXX, the bank alleged fraud because they claimed their confirmation process yielded me as the company owner ( per Ohio Secretary of State public records the company is actually owned by XXXX XXXX and XXXX XXXX ) and an issue with the type of pay stubs submitted from my employer. I called XXXX to ask for clarity and fraud was never mentioned I but was told the loan was denied due to " income ''. I continued to ask exactly what does that vague statement " denied due to income '' mean. What about income, not enough, too much, what exactly??? .Fair credit reporting laws would dictate a clear and concise reason for credit denial. I was told all questions had to be directed to dealer. When back to the dealer the dealer say lender alleges some type of fraud because they had difficulty or used incorrect information from a third party in verifying employment ( even though employer contacted them directly on XXXX ) and denying credit.
I contend if they truly thought I was the owner ( which would have rightfully put my loan into the self employed category ) it could have been easily resolved by looking at public records to confirm the actual owners.
This denial of credit based on incorrect information that could have been easily verified has created a hardship for me as I am just coming out of a discharged bankruptcy and I'm in the credit rebuilding process. I also passed on other opportunities to purchase a vehicle through another dealership which may not have been this frustration. Furthermore, I have several new inquires form XX/XX/XXXX-XX/XX/XXXX based on XXXX XXXX attempting unauthorized financing attempts from other lenders.
I think all of this has been highly unethical and I feel as the consumer I have been dealt with in an illegal manner.
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| 03/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I returned my lease on XX/XX/XXXX at the XXXX dealership located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I also spoke to XXXX XXXX XXXX in XX/XX/XXXX because I had received the end of lease bill and it was {$1800.00} when I had purchased Excess Wear and Tear Insurance at the beginning of my lease. I placed multiple calls to GM Financial, the EXCESS W & T prior to the end of my lease as a report was filled out, no one could tell me whether or not it would be covered, not one person thought it might be helpful to know what kind of insurance you're paying for. I didn't want to fix the little dings if the insurance would cover it, but no one can say from looking at the report, I don't get it isn't that what the car evaluation prior to the end of lease is supposed to be for. Even so, I was issued a bill once I turned in my vehicle. It's frustrating that insurance companies can get away with not being able to properly disclose what is covered and what is not. To me this is absurd even on a small case such as this insurance company. The Excess Wear and Tear covered the overage but I still had to pay {$420.00} for the end of lease penalty with taxes.
Then I was issued a delinquency notice from California DMV
because the dealership did not properly report the Notice of Transfer and Release of Liability form. On top of all this I had to go to the DMV twice because the DMV of course did not process the first form that I submitted and I sent them a letter along with another filled out form with the hopes that it will go away. I called GM Financial upon mailing in the Notice of Transfer and Release of Liability for a second time and they were not at all helpful to get the information. I spoke to XXXX Employee ID XXXX and he confirmed with his supervisor XXXX Employee ID XXXX that the dealership was at fault for not properly filling this form out on my behalf. I called the dealership and left a message to help rectify the issue but I have not received a call back as of yet.
Last but not least, I have already submitted an initial complaint about GM Financial to the CFPB in XX/XX/XXXX because they had put a late payment due to their own online system not being able to properly change an automatic payment account change on their auto-pay platform, other people have experienced the same issue and yet this continues to be a fault in their system that affects many people at a time yet they do not care to fix an internal tech issue and would rather have people 's credit damaged. The CFPB stepped in and the credit report issue was rectified. That complaint number was XXXX I am disappointed that my end of lease was not properly handled on multiple levels and I was very upset that my credit was affected as I have always maintained an immaculate credit rating. Now I am having trouble thinking about having a potential issue with the Franchise Tax Board of California because the dealership did not properly report the sale of my vehicle and I have delinquent registration due. I am contacting a number today to see if they can help as it was a final notice from the DMV.
XXXX and XXXX if not for contractual obligation but also from a moral standpoint have a duty to provide their customer 's with the utmost fiduciary responsibility and care, after all the government did bail them out, yet their customer service is the one of the worst I have ever seen and I am stuck with paying a government bill. I think they should pay mine if this is not resolved. Not one person from GM Financial thought it would be appropriate to advocate on a customer 's behalf with regards to the flaws in their online platform. Not one person, after complaining that my end of lease was improperly handled thought it might be helpful for this person to be handed to another level of supervisor where the dealership could be called and personally dealt with right then and there. We Americans paid {$11.00} XXXX and I see these ads where people recite " I switched to XXXX '' and yes I did switch to XXXX, in fact I leased two, one in XX/XX/XXXX and another in XX/XX/XXXX but after these experiences, I will not be getting a XXXX that's for sure.
|
| 10/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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On XX/XX/XXXX I, XXXX XXXX received a phone call from XXXX XXXX stating they made an error on their end and did not enter in our account number correctly and therefore the XX/XX/XXXX payment that was called in never went through on Wednesday XX/XX/XXXX. I also received a payment confirmation via email that shows this payment was made and for the amount due. At the end of the month of XX/XX/XXXX my husband received his last check from his previous employer, his first check from his new employer, i was paid on XX/XX/XXXX and my daughter received some settlement money all on the same day. At this time there was close to {$11000.00} in our account and many bills were paid, a truck was purchased for my business and was not checking my account for any balance updates because i did not have to worry about my account for some time. When the woman whom called me on the XX/XX/XXXX said that they felt so entirely horrible that they would waive $ 90+ dollars in late fees and asked if i could take care of the XX/XX/XXXX and XX/XX/XXXX payments at that time and i let her know i could pay it on XX/XX/XXXX which was our next pay date.
I got off the phone with her explaining this horrible situation to my husband and he was extremely upset and called XXXX XXXX back and spoke to a supervisor by the name of XXXX on XX/XX/XXXX @ XXXX XXXX MST ( on a recorded line ) and she stated since we were leasing our vehicle that we were on something called metro reporting and that we do n't get reported until every other month and as long as we had our XX/XX/XXXX payment in before the end of XX/XX/XXXX then we would be safe and would not get a late payment reported on our credit. My husband explained how important it has been that we keep a clean track record of on time payments due to the fact our family of XXXX is currently living in a 700 sq ft apartment trying to save to buy a home for our kids etc and she reassured multiple times that we had nothing to worry about and she saw the payment i previously scheduled for XX/XX/XXXX to take care of the payment to be made due to XXXX XXXX error. She did admit to the error as well as the account number showing being entered incorrectly and we read off to her the routing number and the account number and she kept apologizing also telling us the most she could do to help the situation was to remove the late fees as well on top of the other woman stating the same earlier on a separate conversation.
On friday XX/XX/XXXX i called XXXX XXXX at XXXX XXXX PST ( i 'm in XXXX XXXX for my daughter 's XXXX ) and was explaining how i wanted to make sure the payments were going to go through and the woman was questioning the previous conversation i had stating i would n't have a late payment and seemed a little caught off guard and did n't seem to understand what i was saying however the end result was to make sure there was one large payment instead of two transactions and then i was emailed a confirmation to ensure the payment was going through correctly.
Yesterday, XX/XX/XXXX I received a notification from XXXX XXXX -XXXX XXXX stating XXXX had a change to his credit report and then mine came in right after. I looked at our credit reports on XXXX XXXX and it showed there was a 30 days + late reporting for XXXX XXXX when we were reassured and promised it would n't be reported and made my credit drop 57 points for XXXX and 30+ points for XXXX XXXX I have been working on repairing my credit for the past year so my family can move out of the current cramped space we are in and quite frankly have done the best we possibly can.
Today my husband called XXXX XXXXl as they were closed by the time he was off of work to discuss the previous conversation he had with XXXX and spoke with a XXXX and she said we would have to dispute it and that XXXX XXXX would have to explain the mistake to the credit bureau. She also told my husband that she will pass a message to XXXX and would get right back to my husband and he has yet to hear from her and this needs to be reversed and resolved ASAP due to us trying to get a home pre-approval this month.
|
| 05/09/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a loan with GM financial that was paid in full by my insurance companies, XXXX XXXX and XXXX Gap insurance . GM fin ancial is reporting that I was late 30 days in XX/XX/XXXX , l ate 60 days in XX/XX/XXXX and the account was charged off. I contacted GM financial via US mail and directly disputed the information with them ( see attached letter dated XX/XX/XXXX ). I requested to only be contacted via mail. They responded on XX/XX/XXXX ( see attached ) claming they needed more information to properly assist me and directed me to contact them via telephone. I did not contact them, as they should not need information from me to substiate their claim that their records are accurate and they are reporting valid information to the credit reporting agencies. I recieved another letter dated XX/XX/XXXX from GM Financial claiming they are reporting accurately to the credit reporting agencies, however I did not recieve any of the documentation I requested. GM Financial is misrepresenting this account. I re-disputed this account directly to XXXX , XXXX and XXXX certified mail return receipts ( see attached letters dated XX/XX/XXXX ). I provided copies of the checks from XXXX XXXX dated XX/XX/XXXX ( in the amount of {$22000.00} ) and XXXX dated XX/XX/XXXX ( in the amount of {$4900.00} ) which I also attached to this complaint. These are the months GM Financial cl aims my account was 30 and 60 days past due, which is false. They also claim the amount was charged off in XX/XX/XXXX , however they claim the date of last payment was XX/XX/XXXX . How can an account be charged off the following month after recieved approximate ly 27 thou snad dollars in a 5 we ek period. My payments were not applied appropriately? The checks from XXXX XXXX or XXXX did not specify the funds to be applied in a certain way ( i.e. principal only ), thus my account should have been reported current for the months payments were recieved on my behalf. I also responded to GM Financial and sent a certified letter with return receipt requesting a complete account summary for the months of XX/XX/XXXX - XX/XX/XXXX . ( see attached letter dated XX/XX/XXXX ). I have not recieved any response from GM Financial, however, they are continuing to report this inaccurate information on my credit reprort. T he credit reporting agencies have concluded their invesigations and determined that GM is reporting this account accurately, even after I have provided documentation and payment information that proves it is unaccurate. My due process rights are being violated. The credit reporting agencies are not investigating thoroughly, they are just taking GM Financial 's word, when GM Financial has not provided any proof or account history that substantiates their claim. In my disputes I requested the credit reporting agencies to provide me with the name and phone numbers of the individuals at GM Financial wh o verified this information ( see attached letters dated XX/XX/XXXX ). I have not recieved that information, however the investigations have been concluded. They are being untruthful and unethical. My rights are being violated. This account was not charged off. It is my belief that GM Financial is continuing to report this unverifiable debt. They have not provided payment and account information in either of my requests, however they claim they are reporting accurately. The only thing XXXX updated on my credit report was change the last date of payment from XX/XX/XXXX to XX/XX/XXXX . There are numerous reporting errors on this account and GM Financial as well as XXXX , XXXX and XXXX refuse to update it appropriately and/or delete it. I have attached all of the documentation ( letters to GM Financial, XXXX XXXX , XXXX , copies of certified mail return receipts, copies of checks from XXXX XXXX and XXXX , and letters from GM Financial ) that was included in my disputes to GM Financial, XXXX , XXXX , and XXXX .
|
| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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Urgent Complaint Regarding Potential Fraud by XXXX XXXX XXXX XXXX and XXXX XXXX -, I hope this email finds you in good health and high spirits. I am reaching out to you today as a concerned consumer who has recently experienced distressing and potentially fraudulent behavior by XXXX XXXX XXXX executives and XXXX executives. Based on the information I have gathered through various correspondences with them, I believe it is necessary to file a complaint with the Arizona Fraud Squad and seek your assistance in addressing this matter. To provide you with some context, it has been over eight weeks since I have been facing a prolonged and unresolved issue with my XXXX XXXX XXXX, which is still under both the standard warranty and an extended warranty. Additionally, the vehicle has only accumulated XXXX miles. Despite numerous attempts to obtain answers and a resolution from both XXXX XXXX XXXX and XXXX, I have been met with silence and a lack of cooperation. The prolonged duration of this issue has caused significant financial stress on both me and my family. I have been without a vehicle for an extended period, which has resulted in severe disruptions to my daily life and work commitments. Additionally, I have incurred substantial expenses, amounting to hundreds of dollars, on alternative transportation methods such as XXXX. This financial burden has further exacerbated the already challenging situation I am facing. XXXX of the key concerns revolves around the unexplained depletion of approximately XXXX miles of XXXX XXXX XXXX ( XXXX ) in my vehicle. I firmly believe that this depletion of XXXX was caused by previous work done on my vehicle 's fuel system, which was performed by XXXX XXXX XXXX. As a result of this depletion, my vehicle abruptly broke down, leaving me stranded on the side of the freeway. The subsequent cross-contamination in the fuel system has led to the ongoing issues I am experiencing with my XXXX XXXX. Despite my extensive research and repeated inquiries to XXXX XXXX XXXX and XXXX executives, I have not received any satisfactory explanations or assistance in determining the cause of this depletion and subsequent contamination. Moreover, it is disconcerting to note that there is no transparency or accountability from these executives in addressing this issue. Incredibly, both XXXX XXXX XXXX executives and XXXX executives are now denying my warranty claim and informing me that I will be responsible for covering the repair costs, which they estimate to be between {$15000.00} and {$20000.00}. The exorbitant amount they are demanding for the repair or potential replacement of the motor is both unjust and unreasonable on top of the fact I still owe {$59000.00}, especially considering the vehicle 's low mileage and the fact that it is still under warranty. Furthermore, it is worth noting that XXXX XXXX XXXX has a F rating on the XXXX XXXX XXXX, which further validates the questionable business practices and lack of customer satisfaction. This rating serves as an additional red flag and raises concerns about the credibility and integrity of the dealership. Given the gravity of the situation, the fact that my vehicle is still under warranty, including an extended XXXX warranty, and has only accumulated XXXX miles, and the complete lack of cooperation from both XXXX XXXX XXXX executives and XXXX executives, I strongly believe that it is imperative to escalate this matter to you for a thorough investigation into potential fraudulent activities and consumer protection violations. I kindly request your assistance in initiating this process and ensuring that the necessary actions are taken to hold these executives accountable for their actions. I am prepared to provide any additional information or documentation that may be required to support this complaint. I appreciate your attention to this urgent matter and eagerly await your guidance and assistance in pursuing justice and protecting the rights of consumers. Thank you for your time and consideration. Sincerely, XXXX XXXX
|
| 02/07/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
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I am a woman in my XXXX. After 2 XXXX XXXX, I am having a very hard time dealing with the stress of this situation.
I leased a XXXX XXXX from GMC Financial, and paid the entire lease up front. The vehicle was to be returned mid XX/XX/XXXX.
GMC informed me that before I returned the vehicle, I would have the option to do an end of lease inspection at my home. They stated that the inspector would go over the truck, and list any issues with the vehicle and I would have a chance to remedy any damage before turning the vehicle in. I opted to go that route, and an inspector was scheduled to come out.
The inspector they sent was horrible. He listed caked on mud as Excessive wear and tear. I assume he was extremely inexperienced, because it was obviously mud, and you could literally scratch it off with your fingernail!
Extremely upset. I phoned GMC to complain. They instructed me to take the vehicle to a local car wash and have it cleaned. They told me to take photos of the areas once it was clean, and stated that GMC would update the records when they inspected the vehicle after we turned it in.
I took the vehicle to a local car wash. They waxed it. Every bit of excessive wear and tear ( DIRT! ) came off. We took photos of the vehicle, and returned it to GMC on XX/XX/XXXX.
Soon after, I received a final bill. To my dismay, the final bill included charges for excessive wear and tear damage! I could not believe it! There was never any damage to the vehicle to begin with, and we followed every step they requested from us!
Again, I contacted GMC Lease End Customer Service. I explained the situation. The agent stated that they would contact me. No one ever did.
After repeated attempts, I finally spoke with XXXX ( Employee number XXXX ) on Thursday XX/XX/XXXX. She stated that she would personally put in a request to have the non-existent wear and tear removed, and that she or someone else would get back to me. I never heard back from anyone.
Again, I reached out to GMC. I discovered that they did actually remove the charge for excessive wear and tear ( of course they did! It never existed! ). At that point I requested a final bill. I also requested a letter stating that the excessive wear and tear was removed from my balance, and that I did not owe them anything for it. No updated bill was ever sent. No letter stating that the excessive wear and tear was removed was ever sent either.
I requested a final bill and letter multiple times. I never received anything. To this day, XX/XX/XXXX I have still never received a final adjusted bill or a letter either. GMC did however report me to the credit bureaus and ruined my credit!
Furious, I phoned GMC again! I spoke with XXXX ( Employee number XXXX ). She apologized and stated that this should not have happened, and that they would contact the credit bureaus and fix it immediately. She stated that she would call me back. She never did.
Today, Friday XX/XX/XXXX, I spoke with GMC once again. This time a supervisor named XXXX ( Employee ID XXXX ). I explained the situation. He apologized for the ordeal, and stated that an adjusted payoff letter would be sent to me. He said he would also contact the credit reporting agencies and let them know that GMC was at fault, and request it be removed from credit. He stated that he could not send me anything in writing that says that I do not owe them for excessive wear tear.
This has been an absolutely terrible experience. As I mentioned, I am in my XXXX, and after 2 XXXX XXXX, I am having a very hard time dealing with this terrible situation. They have wasted much of my time, and they have ruined my almost perfect credit score ( over 800 ) for no reason! This lowered my credit score by over 100 points! I will now have trouble refinancing my home and even buying a new phone.
-I need a letter stating that I do not owe them for excessive wear and tear.
-I need them to fix my credit, and remove the negative remarks on it since it was their error!
Please help me.
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I am in the process of auditing my personal credit file and finances for the upcoming tax season. I started with my XXXX and XXXX credit reports. I submitted a request directly to GM Financial. I requested the full accounting and account validation documents to verify the establishment and details of this account. By Federal FCRA and UCC Law, this action is considered to be an account verification request or full accounting. This was a formal notice. The trade line that GM Financial has attached to my credit file has been reported with a negative payment history, and multiple lines of inaccurate, incomplete and unverifiable data points in which I contested. I requested validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. GM Financial responded with a letter that did not include any of the requested items that would solidify their claim of indefinite account placement and ownership. GM Financial failed to conduct an investigation. In fact, their actions, and inaction did not only violate the FCRA reporting laws, GM Financial, as the furnisher did not validate or remove the account. Instead, they responded with contradictory information that has no relevance to my request. They also never reported to the credit bureaus that the account was in dispute. These are violations of FCRA -15 U.S Code S1692g-Validation Of Debts, & 1681s-2 ( b ) -Obligations To Investigate, as well as FCRA S611 ( 15 U.S.C S 1681 ) -Procedure In Case of Disputed Accuracy. GM Financial failed to properly investigate the dispute of the reporting of inaccurate and unverified information; failed to remove the account after not validating or responding with the " full accounting '' upon request. GM Financial has failed to establish or follow reasonable procedures to assure maximum possible accuracy in the reporting of their falsified credit entry.
The above mentioned violations are remedied in the civil courts by substantial fines, for FCRA non-compliance, court costs and actual and punitive damages. A paralegal by name of XXXX XXXX from the Law firm XXXX XXXX XXXX that represents GM Financial in the FCRA civil case of XXXX XXXX vs Americredit called me and offered me {$500.00} to drop the case and yet still allow them to violate the FCRA by continually reporting the account to my credit file. She stated " We don't need to respond with account validating evidence nor full accounting because it looks like and we have reason to believe that it is yours ''. I've been declined for over {$20000.00} of funding due to GM Financials negligence. They treat me like I'm some stupid person that shouldn't care about his life and credit background. They could care less for consumer protection law, so they attempt to try to get me not to care. It's blatantly obvious. Full accounting should include : state & USPS verified proof of my address that matches that of your credit application and installment contract, a copy of my state issued driver 's license or state ID that will bear a signature that matches with any relevant applications signatures for credit ; showing that I have ( or have ever had ) a contractual obligation to pay you. You must provide GAP coverage application, provide proof of acceptance or decline of GAP coverage, GM Financial bank statement referencing account # XXXX. By law, your are required to provide in your response, the power of attorney document ( for collateral ownership transfer ), and the full accounting and billing statements. You must also provide to me the bill of sale, any documentation of any transfer of the collateral that is attached to the credit entry that you report to my credit file ; including but not limited to, payoff receipt, title and/or ownership transfer documents including signatures of authorization, and odometer disclosure document ; names, addresses, emails and phone numbers of the individuals you spoke with so that I would be able to follow up.
|
| 07/27/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
The following description is directly copied from my XXXX review of GM Financial, with the events taking place between XX/XX/XXXX and XXXX XXXX , 2017.
TOTAL, ABSOLUTE SCAM.
Beware of leasing with these people. They will rip you off big time for " damages '' when you return the vehicle. My dad just had his lease end inspection for a XXXX XXXX . The car had only XXXX miles in 3 years, with a small front bumper crack, light paint scratching around the bottom, and a tiny dent smaller than a credit card near the bottom of the rear door. I am including the pictures they themselves took of this damage and other views as well. It also had all original parts, which was the first thing the inspector asked about. We fully expected the charge to be XXXX , if not a thank you for taking such good care. They charged him nearly {$1200.00}. TO PUT IT INTO CLEAR PERSPECTIVE, THEY CHARGED HIM FOR A COUPLE OF DINGS AND SCRATCHES AROUND 10 % OF WHAT THE WHOLE CAR IS WORTH USED. From their inspection photos, categorized from normal to excess wear, you can tell exactly what their billing trick is to get to this obsurd 10 % -- they take the most tiny specks, invisible from 20 feet, and call it normal, to throw you a peace crumb, anything above that gets jacked up on steroids to compensate them many fold for the crumb they gave you. When I called them all I got was basically talking points mumbo jumbo. Their first talking point is a mis-direction of semantics, insisting " the charge is not a BILL, it 's for damages you caused, and charges will be adjusted if YOU go and fix it ''. First of all, we already knew it 's not a regular bill, just a bogus charge for not bringing it back in showroom condition. Second of all, he 's already paid you for normal wear and tear ON THE LEASING BILL he 's been paying you for 3 years, AT A RIP OFF RATE OF {$250.00} A MONTH, for a XXXX ! Their second talking point is simply " I 'm sorry you feel that way '' which is robotically repeated over and over, because it 's standard tripe for when you 've ripped someone off and the person is not happy. They 're SO VERY VERY sorry. There was a third obnoxious talking point that I forget, but the point is you ca n't really reason with them because their reps, like the cable reps and insurance reps we 're all used to, are drones trained to deflect valid points ( and insults thereafter ) with standardized, jargon filled runarounds, not to offer fair resolutions. My dad is XXXX years old, it was his final car, and they knew that he was n't a returning customer anyway, so they felt they could take advantage. They forgot about me though, I will never lease or buy a car from GM ever again. At XXXX miles ( 1/8 the average ) they will resell it at premium price. But it 's NOT ENOUGH for them, they had to cheat an XXXX year old recent widower. This is how they said goodbye to him and thanked him for his business, over a couple of dings and scratches. So morally bankrupt they did n't even have the decency to call back and try to resolve it after seeing how upset he was on the phone. WHAT I STRONGLY SUSPECT IS HAPPENING IS THAT THEY 'RE MILKING THE VULNERABLE TO SUBSIDIZE FOR LOSSES ELSEWHERE, AND AN OLD MAN WITH A XXXX MILE VEHICLE FOR THEM TO AUCTION IS JUST EASY PICKINGS. A disgrace on a once proud American brand, one that now bombards us with cheap ads of " real people '' so agog over the cars you 'd think they 'd never seen one before. Maybe their corporate greed stems from the fact their sales are n't moving and stock price is totally stagnant, and they 've forgotten the lesson ALREADY that a culture of gouging and defrauding customers, such as with the ignition switches, eventually gets you to a VERY bad place, and then you come to D.C. in a private jet, to the very tax payer you 've been mistreating, hands out for a government bail out. Corporate thugs, shuysters, XXXX , back to their old tricks! Hit 'em where it hurts, AVOID.
|
| 04/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX : You violated the United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.
FDCPA 807 False misleading information You are showing inaccurate accounts on my credit report with incorrect balances, incorrect payment dates, incorrect last report date, incorrect payment status. If I received good and services, then please have a senior XXXXxecutive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 FDCPA 806 harassment n abuse you keep contacting me about debts that DO NOT BELONG TO ME. this is Harassment and XXXX and you are criminally and civilly liable in the court of law.
15 USC 1692g - Validation of debts This agency was supposed to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT FDCPA 8012 furnishing deceptive forms you are reporting false misleading information on my credit report. Inaccurate information is very deceptive. you are XXXX of reporting deceptive forms on my credit report that you can not verify as accurate. please provide me the original application for the said debt bearing my original signature. i will not accept a photocopy signature, i request the original document be sent or remove asap.
FDCPA 809 validation of debt I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them.
XXXX5 U.S Code 1681 a ( 4 ) Consumer Right to privacy i request you to provide me the original documents bearing my signature stating you have permission to infringement upon my right to privacy, because you are sharing my private information with creditors and other people without my consent. you are guilty of identity fraud.
I certify that this is the REAL and Only XXXX XXXX XXXX my social security card is attached SS # XXXX ). nobody is writing this on my behalf, and I am definitely sending this letter on purpose. I am not mistaken about anything, I am fully aware that you have violated my comsumer rights and now I am taking proper action.As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. this agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. I already contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I was entered into consumer transaction with GM FINANCIAL on XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but GM FINANCIAL took cash. The finance charge is suppose to include insurance, but GM FINANCIAL made me purchase insurance separately. I feel deceived by GM FINANCIAL because they took advantage of me. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them :
|
| 02/27/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I purchased a XXXX XXXX in XX/XX/XXXX ; due to several financial hardships, I was unable to maintain consistent payments on the vehicle. The GM representatives called me constantly throughout the workday and on the XXXX. When I was able to answer the phone, I advised them that I worked for the Government and I was not supposed to answer or make personal phone calls at work. Each time I spoke with a GM rep I told them I had every intention to honor my contract because I needed the car. Each time I was told they understood and that they would work with me. My first payment was due on XX/XX/XXXX. I was unable to make that or the XXXX payment. I was able to pay those payments on XX/XX/XXXX, and the last payment I was able to make on the loan was XX/XX/XXXX in the amount of {$600.00}. Over the XXXX months that I had the car, I made 3 payments overall. I contacted GM financial on XX/XX/XXXX at XXXX am and left a voicemail letting them know that I was about to go into work and that I would be there well after midnight because the XXXX is the last day of our fiscal year and I would contact them when I woke up on XX/XX/XXXX to discuss the delayed payments, the fact that the car had been involved in a flood incident on XX/XX/XXXX, that XXXX issued a claim and that I would provide all of that information when I spoke with them. I thought I was ok. Unfortunately, my car was repossessed sometime after XXXX am ( when I got home from work ) and XXXX am ( when my daughter woke me up in a panic because the car was gone ). I started making phone calls to GM Financial at 8 am on XX/XX/XXXX and was told that the car was in fact repossessed and was provided the name of the recovery company. I told the GM Financial Rep the car was totaled and that I 'm not sure how the car was taken from my driveway because the car could not be driven because the car had been involved in a flood incident, that XXXX had the claim inspector coming on XX/XX/XXXX and provided the claim number. I was told during that phone call that I needed to speak with the GM Insurance Department to resolve the matter and that they would not be opened until XXXX am. I called XXXX to explain the situation. I attempted to speak with the GM Financial XXXX Department 3 times on XXXX - at XXXX am, at XXXX am, & at XXXX - with no answer of each call. On XX/XX/XXXX @ XXXX, I contacted GM Financial and was told that I needed to speak with the Total Loss Department. I was then transferred and was told that GM will contact XXXX to finalize the issue. I immediately contacted XXXX at XXXX to let them know that GM would contact them. I received a letter from GM Financial dated XX/XX/XXXX stating their intent to sell the car. On XX/XX/XXXX, I called GM and was told GM would work with the insurance department because when repossession is involved I have to work with the GM Asset Insurance Department. I called XXXX back to on XXXX to give XXXX the status. On XX/XX/XXXX, I called GM Financial back and after additional transfers it was explained to me that the vehicle had been transferred to the XXXX company in North Carolina. I immediately called the auction company and left several voicemails and sent an email. I then called XXXX again to let them know the status. On XX/XX/XXXX, I received a letter from GM Financial dated XXXX stating that the car was sold for {$7000.00} and that I still owed them {$23000.00}. When I contacted GM Financial to find out why the insurance inspection was never done, I was told that it was up to XXXX to contact GM Financial. I understand why legally GM Financial were within their rights to repossess the car. My complaint is GM financial representatives did nothing to contact XXXX to complete the insurance claim. From XX/XX/XXXX until XX/XX/XXXX, I attempted to work with GM Financial to resolve this as efficiently as possible. Was this situation considered fair business practice and do I owe GM Financial $ XXXX?
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| 08/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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Summary : GM Financial has completely failed as a lease provider in transitioning from one lease to another lease and as a result of their system and process XXXX, I will have a missed payment reported to the credit bureaus and my credit impacted despite paying them four weeks ago and five calls with them trying to fix their system issues.
Details : I had a leased vehicle through GM financial, completed the lease with 24 on time payments, no damage turned it in and immediately leased a new vehicle through GM financial. The previous account was setup on autopay. When transitioning to the new account they did not transfer over the autopayl so i setup a new autopay on XXXX XXXX with the payment due on XXXX XXXX. GM financial indicated they would mail me a letter when the autopay was setup. I did not receive a letter prior to XX/XX/XXXX, however when i logged into their online account on XXXX it showed as {$0.00} balance due. I logged in again XX/XX/XXXX and it continued to show {$0.00} balance due, next payment due XXXX XXXX. Autopay setup was confirmed on XX/XX/XXXX via a XXXX cent deposit to my checking account. Finally when i logged in on XX/XX/XXXX there was a banner showing that i missed a payment and to make a one time payment immediately. I clicked the banner to make the one time payment which took me to XXXX XXXX where I made the one time payment immediately and received email confirmation of the payment and the money came out of my checking account. A few weeks later my wife received a phone call from GM financial saying that we never made a payment. I called back in gave the agent the XXXX XXXX confirmation number explained what happened, he was able to lookup in their system that the payment was applied to the old lease account we had for some reason rather than the new one where it was due. He said no problem i will reverse that now, apply to the right account and make sure there is no late fee or credit report impacts, problem solved right? Wrong, two weeks later, my wife receives additional phone calls from GM financial, she returns one on XX/XX/XXXX and the agent tells her we have missed a payment and if we do n't pay by midnight on XX/XX/XXXX we will be reported to credit. My wife gives the same story, provides the XXXX XXXX confirmation number, the agent says ah yes this was applied to the wrong account let me reverse it and apply it to the correct account. My wife explains we went through that two weeks ago, the agent says they have no record of that but they will take care of it. The next day on XX/XX/XXXX my wife receives another call from an agent telling her that we have missed a payment and we will be reported to credit if payment is n't received by XXXX. My wife explains the exact same thing, there are no notes on the previous calls, agent looks up XXXX XXXX sees the issue, says they will reverse payment, etc. The night of XX/XX/XXXX i call GM financial to ensure that this issue is being resolved and this will not be reported to credit agencies for being 30 days late. Agents and supervisors confirm that the payment reversal is in their system and tell me verbally that my credit wo n't be impacted but that it will take a week for the reversal and if it gets reported to credit agencies that they will fix it. I state very clearly that i want something in writing that day telling me that this will not be reported to credit at all as we paid 4 weeks ago, I am not interested in the correction as it is their system who has messed this up it should never be reported in the first place. Agents tell me they do not have the ability to put that in writing as another department handles that but they will call me the next day and get a letter out. I never received a call on XX/XX/XXXX i called them in the evening and they are unwilling to put it in writing today that my credit will not be impacted.
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| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Background : purchased vehicle XX/XX/XXXX ; loan from GM Financial. Address on original lease agreement was entered ( by dealer ) incorrectly. XXXX mailed Welcome Letter with account information ( which is needed to sign up to their online site to make payment ). Address sent to had very specific need ; if not addressed correctly, mail would go undelivered. This was a brand new building that required we get our mail at the post office at times. I tried several times to obtain account information with XXXX and my car dealer ; was told each time I would get that information mailed to me.
I was finally able to get the account number and register online and set up autopay. However, XXXX notified 2 credit reporting agencies of a 30 day late payment for two different months ; one was never notified.
XXXX : XX/XX/XXXX - Late 30 Days XXXX : XX/XX/XXXX - Late 30 Days XXXX : XX/XX/XXXX - Unknown ( data ) I disputed this several times and was told the information was reported accurately ; however, the above information differs between credit reporting agencies and is not consistent.
I attempted to resolve this with the XXXX and provided proof that the address used by XXXX was incorrect. They continued to say the reporting was accurate, ignoring any goodwill. They misstated that they used the correct address, adjusting their letters once I informed them of the correct delivery address ; they continue to maintain they used the correct address and said that nothing was returned to them as undelivered. In fact their first letter in response to my complaint had the incorrect address. XXXX made a simple clerical error, or the dealer did, and I addressed it as soon as I was aware of it but XXXX was unwilling to show any good faith in me as a customer and make a change to my credit files, something they have the absolute power to do.
Since resolving the issue of the account number, my payments were made by auto payment and I sold the vehicle and the account was closed in XX/XX/XXXX. This negative mark, caused by their dealers error, has caused significant negative damage to my credit.
Please note the letter from XXXX dated XX/XX/XXXX shows my correct address at the time. The letter states : " Our records indicate, a Welcome Letter and first billing statement were mailed to your address of record being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have included copies of both documents for your review along with a copy of the Lease Agreement and account payment history. '' Also attached is the original Welcome Letter dated XX/XX/XXXX - please note the address : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( missing is the calling out " XXXX XXXX which is vital to delivery, unfortunately, but included in their letter from XX/XX/XXXX, falsely stating they sent it to the correct address.
A second letter dated XX/XX/XXXX states the Welcome Letter was sent to the address on record listed on the Lease Agreement ( attached- please note the address ) ; however, the lease agreement address is incorrect, as entered by the original dealer. The letter states that " numerous attempts were also made to contact you via telephone at ( XXXX ) XXXX ; however, were unsuccessful. '' This statement is troubling because since XX/XX/XXXX, I have 2 calls from GM Financial and 1 message, and that was in response to my complaint in XXXX.
Also attached is a request for assistance letter dated XX/XX/XXXX to my Congressional Representative asking to assist in the issue with mail delivery. Specifically noted : " USPS is not delivering our mail ; claims the address is unacceptable ; USPS has said they do not like that our unit number is more than 3 digits long. '' It took almost two years to have our mail delivery situation corrected.
XXXX has not responded to any communications from me since XX/XX/XXXX.
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| 07/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Having and issue with GM Financial and a negative report on both my husband and my credit. From the onset of this contract there was a dispute/misunderstanding as when the 1st payment would be due. After several conversations between my husband and GM Financial and after a due date change request, we were under the impression our 1st payment was pushed to end of loan, due date changed to XX/XX/XXXX of month & 1st payment now due XX/XX/XXXX. I made ( 2 ) payments inXX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX then another on XX/XX/XXXX ; all before due date of XX/XX/XXXX - at least so I thought. The XX/XX/XXXX payment was to cover XX/XX/XXXX, the XX/XX/XXXX payment to cover XX/XX/XXXX and the XX/XX/XXXX payment to cover XX/XX/XXXX ; monthly thereafter I paid on the XX/XX/XXXX of month to date. I recently called to speak to a Rep about the late and past due payments showing and was advised that my XX/XX/XXXX was not received so every payment I have been paying monthly since the XX/XX/XXXX payment has been applied to the prior month. Then to my surprise, I get notification that a late mark has been added to both my husband and my credit report for XX/XX/XXXX & XX/XX/XXXX. After calling to inquire about that, I am told that my payment was posted on the XX/XX/XXXX despite me accessing GM 's website and actually making the payment on the XX/XX/XXXX ( keep in mind I am thinking I am up to date ; but GM Financial is applying my payments to a prior month ), so I dispute citing why would you report me for a day late only to be told the same thing again. Even though NOW realizing the situation with the XX/XX/XXXX payment, I advised GM I disagree with the late because I made the payment on time ( XX/XX/XXXX ) ; their 3rd party vendor posted to them the next business day ( XX/XX/XXXX ). I disagree with the fact that there are ( 2 ) customer experiences with GM depending on how you pay. If I pay by mail with check and it is received on the XX/XX/XXXX, it is posted day received. However, using GM 's website, if I pay on the XX/XX/XXXX it is not acknowledged till the 3rd party vendor XXXX XXXX posts it ; in my case the next business day ( XX/XX/XXXX ). I spoke to GM 's credit reporting department and they refused to remove the derogatory report citing I made the payment at XXXX and cutoff for 3rd party vendor to post is XXXX. I am disputing the derogatory remark, as it is not valid. I have been consistently making my payment on the XX/XX/XXXX of the month to GM 's website and that is the date I paid with the late in question. I feel that GM should honor the date their customer makes the payment on their site not the date a 3rd party vendor processes, which in this case resulted in a negative effect on their customer ( me ) who pays timely every month. GM did not call to offer me any remedy for the XX/XX/XXXX payment they say I missed & there was no letter sent offering me an extension ( which I qualified for ) to remedy the issue either, they just continued to accept the monthly payment and apply it to a prior month. I must give credit and say that the customer service department Supervisor did acknowledge the issue with the account and removed the late charges, but GM Financials credit reporting department refuses to remove the derogatory remark ; citing the date XXXX XXXX posts is the date they have to use not the date I accessed GM 's website to make the payment. When consumers work HARD to maintain their credit, big companies should not be allowed to destroy it due to their agreements with 3rd parties. Hoping that GM Financial will do what is right and remove the derogatory remark from our credit, which has had a detrimental affect causing us to lose a pre-approval for mortgage and will ultimately cost us down the line and in securing the best interest rates in other areas.
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| 11/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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The name of the Financial institution is GMFinancial in Texas, XX/XX/XXXX I bought a brand new Vehicle a Toyota Tacoma XXXX, GMFinancial was the finance company, it cost me about {$47000.00} dollars, XX/XX/XXXX I begin to feel ill, XX/XX/XXXX I left my job I could not continue working no more, the Doctors Declared me XXXX XX/XX/XXXX I was collecting XXXX very limited income compared to your salary Job, I struggle to make the payments of the vehicle but I barely made it until XX/XX/XXXX I call GMFinancial to let them know of my situation they did not help me, I was behind in my payments close to 3 month, This is where is gets QUESTIONABLE, XX/XX/XXXX they could not wait any longer even I told them I got someone who will be able to loan me the money to pay you the 3 month I am behind and get up to date with you, NO they did not wait they came to Repossessed the vehicle with only {$6000.00} balance to pay it off, it hurts me a lot Not because I am attach to material things but I was informing the company of my situation based on that the balance was few thousand dollars and the fact I was working hard to get someone to loan me the money at least they should waited a little longer, they got the vehicle they took it, the later they advise they were going to sell the vehicle to pay off the {$6000.00} dollars balance. THEY SOLD THE VEHICLE THEY NEVER EVER TOLD ME HOW MUCH THEY SOLD THE TOYOTA TACOMA XXXX FOR? THEY SENT ME A CHECK FOR ALMOST {$8000.00} DOLLARS AFTER THEY SOLD IT.
I left it alone, on XX/XX/XXXX I found out that my Identity was stolen them I begin to search and request my XXXX Credit Free Annual Reports, this is when I begin to discover many issues in my Credit, from accounts that were not mine, alter Information, account balances that were not the correct one 's etc.
them I discover that GMFinancial how Cynical they were after they knew I had a Verifiable XXXX Status they Punish me by declaring to the Credit Report Bureaus that my Account that I had with them they declared as a Charge Off/Paid THE CYNICAL WERE ABLE TO REPOSSESS THE VEHICLE, SOLD IT GOD KNOWS HOW MUCH AND RUIN ME WITH THE XXXX CREDIT BUREAUS, IF THEY SOLD THE VEHICLE AND PAY OFF THE BALANCE I LEFT OF {$6000.00} DOLLARS WHY? THEY HAD DECLARED AS A CHARGE OFF WHEN THEY GOT THE MONEY IN THEIR POCKET MAY BE EVEN MORE MONEY THAT WERE NOT RETURNED BACK TO ME. IN FACT I HAD MORE POWER OVER THE VEHICLE SINCE I HAD PAY THEM ALREADY {$41000.00}.
My Problem is since they were not able to help me to remove the CHARGE OFF because they do n't want to, knowing that they sold the Vehicle pay off the balance I left out therefore there were not lost here. I am the one who lost the Vehicle, Lost Money during the sale of the Vehicle that GMFinancial did, without letting me know how much was the bill of sale until today is unknown, on top they put a derogative remark on my credit report with the Charge off.
THIS IS WHAT I WOULD LIKE TO ACCOMPLISH WITH YOU, FIRST OFF THEY NEED TO RELEASE THE BILL OF SALE, HOW MUCH THEY SOLD THE TOYOTA TACOMA XXXX XX/XX/XXXX, I WOULD LIKE TO GET THE CHARGE OFF REMOVED, IS CREATING PROBLEMS TO MY CREDIT WHEN IN FACT THE ACCOUNT WAS PAIS OFF ALREADY WHAT THEY ARE DOING IS TO PUNISHING ME BECAUSE I GOT SICK AND BECAME XXXX, I AM XXXX INDIVIDUAL FOR LIFE, I FEEL PUNISH BY GMFINANCIAL, CAN YOU PLEASE HELP ME TO SEE IF YOU FIND ANY ISSUES AS FAR AS ABUSING THE CONSUMER OF VIOLATIONS TO CONSUMER LAW.
I WANT TO GET A REFUND FOR THE MONEY THAT THEY DID NOT RELEASE TO ME, WHEN THEY SOLD THE VEHICLE, I BELIEVE THAT IS MY RIGHT TO KNOW HOW MUCH WAS THE EXACT AMOUNT THEY SOLD THE VEHICLE FOR, SINCE THEY PAID OFF THE {$6000.00} OF THE SALE OF THE VEHICLE IS FAIR FOR THEM TO REMOVED THE NEGATIVE REMARK IN MY CREDIT REPORT, THE 3 MONTH LATE WAS NOT INTENTIONAL.
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| 03/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Servicemember |
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XX/XX/XXXX I was forced to get a new auto after being in an auto accident that I had not caused. After struggles with the auto that was totaled and dealing with the insurance I had to find a new lender until this was addressed. The outstanding loan caused problems obtaining a new loan. I was placed in what I was told was a high interest rate loan XXXX at 72 months. The loan was for XXXX after I put down XXXX to reduce the cost and total of the loan. While reviewing my credit and trying to work out all of my debt I saw that the loan balance was not really moving. I then began doing the math to calculate everything and found that I am not paying 14.65 % interest on what was borrowed in the simple loan. At the end of this loan I will have paid almost XXXX in interest.
While I understand based on the facts they saw in numbers when I took out this loan. I am struggling to understand how they can legally take advantage of people in such a way. I never needed a 72 month loan. The dealership said this was the only way to reduce the payment to an " affordable '' {$400.00} per month. When a person makes about {$2200.00} a month {$400.00} is already not affordable. I have had a few late payments due to the inability to afford this with other costs but have also paid XXXX monthly to try and boost my credit and get the balance down. The balance is barely moving! The only reason they had me in a 72 month loan was to enable them to make more profit from my situation. It wasn't enough that I had to accept a high interest rate but to drag out the loan and have me pay them about 49 % additional on the amount I borrowed is beyond disturbing.
The only reason a company would charge such a high interest rate of XXXX and then drag out the loan is to steal money. 14.65 % means absolutely nothing on this paperwork to the average person who knows nothing about a loan when at the end of the terms they are actually charging 49 %.
Even if I can't do anything to help my situation this has to stop! People already having a tough time are already placed in higher rates for everything. Why would you set them up to fail? This enables them to keep all money that was paid into the loan and then also take back the property and sell it to someone else in another horrible loan.
I called the dealership yesterday XXXX of XXXX PA and they offered no explanation ad said my issue is with the lender not them. Today XX/XX/XXXX I called GM financial XXXX who offered to do nothing but send me the paperwork to show that the loan is accurate. I realize some of this message is emotional and personal but these things that are happening with lenders is causing mental, emotional and physical trauma to people and families. This is robbery from a business and financial institution who are counting on the fact that average person won't understand the verbiage of the contract and the 14.65 % rate that they list and means ABSOLUTELY NOTHING. 14.65 % interest is NOT what I am paying and responsible for its nearly 49 % interest. GM Financial should be ashamed and so should the dealership for allowing this to take place to fill their pockets.
Not to mention that the car has had nothing but issues since I purchased it in XXXX. I can't sell it to even try and escape the loan because of the amount that remains open I'd be lucky to get XXXX towards the purchase of a new vehicle.
I intend to find as many people and places to reach out and address this until it's addressed. Since understanding what this loan is all about I have been researching and finding that this seems to be common practice. This should not happen and can not go on any longer. I hope that you will understand the details I have listed and help at the least keep others from having this happen to them.
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| 07/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I noticed that my most recent credit report contains a 30day late payment reported on XX/XX/XXXX for account # XXXX for my XXXX XXXX XXXX for the payment due in XXXX. And in this case, it seems like there were some mis informed information. I got furloughed from my job in XXXX because of COVID 19 and I immediately called GM Financial to advised them. At first, I was advised that since I have a lease, there was not much that could be done. I understood and I planned to keep paying my monthly obligation whichever way I could.
Come XXXX I called again because I received an email that GM Financial could now help customers with a lease. So, I called and spoke to a gentleman by the name of XXXX and I advised that it was getting very difficult to pay my monthly payment because I was working 20hrs instead of 40hrs and I still had other obligations. I have a mortgage and monthly expenses for my XXXX children and me. I was advised by XXXX of my options. The best option was to make payment arrangements for the month of XXXX & XXXX. We spoke about how much I could pay and how often. I advised XXXX that I would be able to pay {$400.00} every two weeks starting on XX/XX/XXXX until I brought the account to current. XXXX advised me that as long as I made the {$400.00} payment every two weeks my credit reports and score would not get affected. I also advised XXXX that I was schedule to return to full time hours the second or third week of XX/XX/XXXX and that I planned on brining the account to current by the end of XXXX. He advised that it would be ok and that I had to comply with this agreement in order to not get affected with credit.
On XX/XX/XXXX I received an alert that my credit score went down 135pts!!!!! because of a late payment to GM Financial. I was in shock. I immediately called GM financial on XX/XX/XXXX and spoke to a lady by the name of XXXX and after being on hold for over 30 minutes, she advised that it was what it was. And that as of XX/XX/XXXX GM Financial went back to reporting negative payments to the credit bureaus. And that there was nothing she could do. That GM Financial reported truthful information because I did not pay on time. And to contact the credit bureaus to try to take off of the late payment and if not to contact Customer Service Support and maybe a customer advocate could review my case and assist but she said they may not do anything.
I understand the repercussions of paying late and how it could affect my credit. I have always taken pride in my credit and it is something I do not take lightly.
I am a bit frustrated because I did everything that I was asked to do. I was upfront and honest about my current situation and I still got reprimanded.
If I wouldve been told otherwise I wouldve done what I could to not hurt my credit with a late payment. Since XXXX I have had to get creative in order to fulfill my obligations with of my regular pay. I even used some of the stimulus money I received to pay my vehicle. I trusted GM Financial and I was relieved when I thought I had made arrangements and this was one less burden I had to deal with until my life got back to normal. I was so appreciative and I was working really hard to keep things right. I apologize for this mishap. I have stellar credit report and I truly believe that this missed payment doesnt reflect my creditworthiness and commitment to repaying my debts.
This has crushed me. I have always taken pride in my stellar credit. And the way I was treated to try to make this right was not professional at all. I know that at the end this is my responsibility but I also know that I am as responsible as can be with my obligations and based on my track record I would NEVER deliberately not pay for something that will affect my credit.
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| 10/13/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I purchased a new lease from GM at the end of XX/XX/XXXX. I set up automatic payments on the GM Financial website in XXXX once I received the account information from them in the mail and those payments began being drawn from my account. I purchased another lease in XX/XX/XXXX and auto-pay was set up online. I had no reason until I needed to link the 2 leases online to review the XXXX account online. I saw the payments being removed from my bank account on a monthly basis.
On XX/XX/XXXX, I went online to link the 2 accounts under 1 id and discovered I had {$160.00} in late fees for the XXXX lease. I called GM Financial that day at XXXX and spoke with a customer service representative concerning the late fees. She stated the automatic payments had a 1-month delay and so the first payment due on the XXXX lease was never applied. The result was every single payment after that was late and a late fee was posted for each payment thereafter. I asked why I was not notified of the issue and she stated that the collection department made attempts to call me monthly at the numbers on file. I stated I did not receive any messages from them concerning the account status. She stated she had authorization to waive {$50.00} in fees only. I requested to speak with a supervisor. The supervisor stated she would only waive {$50.00} again claiming they called me but never spoke with me. I explained I never received a message. She asked if I had a custom voicemail message on my phone and I told her I did not. It is only the default one with the phone number. She stated they do not leave messages in those instances. I inquired as to why they did not attempt to email me or send a letter concerning the late fees. I was told they do not make attempts by those means if the account is set up for auto-pay. The XXXX XXXX was set up for auto-pay in XX/XX/XXXX and I still received a paper statement in the mail in XX/XX/XXXX. That tells me they do send correspondence via mail even with auto-pay set up which contradicts the supervisors statement. I set up the automatic payments for the XXXX and the website stated those would take effect immediately. I ask the supervisor why it makes that statement if that is not the case. She placed me on hold and then claimed she went through the prompts on the website and in fact they do state that. She then stated the website was changed since the XXXX was set up and prior it did not make that statement. She claimed she went through the prompts for the old website. I do not understand how a finance company can charge you late fees for over a year but never make reasonable attempts to inform the consumer. They had mail, emailing and phone contact information yet they only use phone attempts via an auto-dialer and never left a message. I was never informed you were required to have a custom voicemail greeting on your phone in order to get a message. I was never informed that you will never receive mail or emails from them in order to inform me about my account not being in good standing.
At the point I applied for the new lease and why wouldnt the leasing division inform me of late payments and incurred late fees for happened over a year. Nothing was reported to the credit bureaus either. Reasonable attempts should have been made to inform me of the issue in order to give me the opportunity to correct the problem. Instead they made a business decision to allow the late fees to continue to accrue. They had a number of means in which to contact me that required little labor on the finance companys end but they did not make any attempts. I think they need to revisit their processes concerning collection efforts on auto-pay accounts.
I promptly made the extra lease payment XX/XX/XXXX knowing it was due.
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| 06/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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I have purchased my XXXX XXXX XXXX ( used ) in XXXX state, then relocated to XXXX XXXX to live with my grandma to take care of her while making payments. I decided to apply a job and got hired. My XXXX income has stopped due to working full time. Six months later, I am terminated from my job. I had to apply for unemployment benefits and receive my XXXX income again, but they said it will take to process within a month or so. I have called XXXX to communicate with them to let them know about my situation. I moved to XXXX XXXXXXXX, XXXX to stay with a friend, so I can catch up with the late payments with XXXX. I did catch up with the late payment, but some months I would get behind due. I have called XXXX to see if I can get the late payment waived, then this way I can get on current payments, but XXXX denied my request. I kept to keep making payments. They only wanted to know where my car is located in preparing for a repossession in XXXX XXXXXXXX, XXXX. I knew that I had no way to keep my car because XXXX denied to assist me to keep my car. Until when my lease ended, I moved out and stayed at a XXXX XXXX in XXXX, XXXX. I have called XXXX to update the address and told them that my unemployment appeal has decided to pay me a lump sum that I can use to catch up with late payments to keep car. XXXX denied me to catch up with my payments. I found an apartment in XXXX XXXX that is where the repossession has taken on the last week of XX/XX/XXXX. The repossession guy took my car in the parking lot where my apartment is located and he took my car without a notice. When I have discovered that my car was gone, I had no idea what company did take my car to get in contact. Shortly, I decided to look up my XXXX report to check my car 's VIN and discovered about the repossession company that my car was sold to a new owner in XXXX, XXXX quickly ( less a month ). XXXX did not want to work with me to keep my car during the repossession process. I did not have a chance to sign any repossession paperwork nor received any certified mail.
In XX/XX/XXXX, XXXX sent a Police Officer to serve me paperwork that I am being sued by them. The Police Officer did get in touch with the landlord to tell her about my situation and needed her permission to enter the locked building. The police officer did take my neighbors 's attention, landlord, and the maintenance guy to see that it was for me since that the police officer came to my apartment 's door. I live in a community senior retirement apartments that there is not much of privacy. The paperwork said that XXXX wants me to pay {$8300.00}. I have discovered that they sold my car for only {$900.00} at the auction, but the car 's value is {$3000.00}. They want me to pay all of the loan and I can not pay all of it because I am currently unemployed and collecting XXXX income with health issues. They are suing me with a civic judgement. Their lawyer has filed paperwork at the court almost one year ago. I have been waiting to attend a court date to resolve this case, but the court has not issued a court date as yet. I am stuck in my situation that I can not buy another car and my credit score went down. This case is going to destroy my credit and livelihood ( with a civic judgement that I would not be able to rent any apartments, getting jobs, and borrowing credits ). XXXX is trying to destroy me. I have purchased 6 cars through other auto companies and paid off in full with on-time payments in the past ( I can prove that ). Do I deserves to be punished with the auto company that was not cooperative with me? Otherwise, I have to move out from my current apartment because the landlord sees me as a risky tenant after what happened with the police officer 's visit that XXXX sent for me.
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| 10/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX - Around the end of XX/XX/XXXX my wife received a phone call about the balance of the lease of the XXXX XXXX. At that time, she informed the GM Financial representative that the lease had been paid in full in XXXX when the new lease was acquired. The representative was appreciative of the information and informed my wife that it must have been overlooked. There were no further discussions, phone calls, mailings etc. regarding this balance.
XX/XX/XXXX - I received a letter from XXXX XXXX XXXX cards that my account had been closed, available credit denied, and it was due to major derogatory. Credit score affected by creditor closing account, balance now at maximum limit This prompted review of my credit. I used a credit monitoring company to pull my credit to investigate what " major derogatory '' had been reported on my credit. On or around XX/XX/XXXX I contacted GM Financial to inquire about the major derogatory ( 60 day late ) that had been reported by GM Financial. At that time, I was informed that the payment of the remaining balance had not been credited to my account.
Upon receiving the information from GM Financial, I contacted XXXX XXXX. I spoke with a gentleman who said he would investigate, but due to the time of day wouldn't be able to answer any questions until the next business day. In the meantime, I contacted my bank XXXX XXXX to have them track the certified check, the following day, XX/XX/XXXX, I was informed that the certified check was still outstanding.
XX/XX/XXXX - Second letter received from creditor XXXX Mastercard account closed, available credit reversed and credit score affected by creditor closing account, balance now at maximum limit.
Over the next several weeks there was an abundance of communication between myself, GM Financial and XXXX XXXX. The check was located in my file at XXXX XXXX and was cashed by GM Financial on XX/XX/XXXX. On XX/XX/XXXX GM Financial then reported a 90 day late on credit bureaus. One CB reported a {$0.00} balance, 90 days late, while the other reported a {$530.00} balance, 90 days late. As soon as this was reported I contacted GM Financial Loss Mitigation at XXXX and spoke with XXXX. He informed me that the {$530.00} was wear and tear that was billed. I asked why I had never received a bill nor did anyone do a walk through with the vehicle when I terminated the lease. He informed me that the {$530.00} was normal wear and tear and that I shouldn't have been billed for any of it. He then put in request to remove the charge, as it was deemed NORMAL and not excessive.
GM Financial has requested that the following be removed from CB 's - 30 day, 60 day and 90 day lates. While they have requested correction of the incorrect delinquencies, they have caused long term damage to my credit score and should be liable based on the following : 1. GM Financial REQUIRED payoff of XXXX lease prior to new lease of XXXX.
a. Customer Complied b. GM Financial FAILED to follow-up on loan requirements i. GM Finanical 's failure to have process in place to assure loan requirements met have caused : 1. Long term credit damage ( due to account closures by XXXX and XXXX credit cards ) length and amount of damage unable to be determined without hired of Credit analysis 2. Credit damage due to GM Financial 's failure to follow approval requirements have hindered home refinancing, new loans, auto insurance rates etc.
As a worldwide corporation, GM Financial has failed to follow their own credit requirement guidelines by not assuring payoff was received and that payoff was applied to account within reasonable time. Furthermore, GM Financial failed to communicate that they had not received payoff and failed to communicate/follow-up with dealership.
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| 08/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/19 I turned in a lease XXXX ( GM ) and due to GMC loyalty was informed that GM will handle all origination fees/payments remaining. 110 days later I received a phone call from GM demanding {$800.00} dollars for lease return. I immediately called the dealer XXXX XXXXXXXX XXXX XXXX/and we had a conference call. General Motors apologized and sent an email to me apologizing for the error and claimed all origination fees and wear and tear was taken care of and balance was XXXX. The Robo calls continued from GM and no real person continually. I would call GM and they claimed I still owed XXXX plus. Mind you I never received an invoice from GM. Yet they claimed they mailed an invoice. Again I was informed that my credit hit would be corrected and apologized for the error. To date I have I still have a negative hit on my credit score that I worked 40 years to keep a perfect score. I was informed by General Motors that negative hit will be removed and that they will make contact with the credit reporting bureau! Yet Im informed by XXXX that the negative remark will remain even though I provided an email from GM apologizing and writing to inform me that they will be in touch with the credit bureau to remove the negative remark. Dealing with General Motors has been my worst nightmare. Every advisor I spoke with had a different story and informed me that my Acct was settled. Yet the robo calls continued by GM and couldnt talk to anyone! Had to call each time hearing a different story and told that my case went to a different division. I still ended up having to pay {$540.00} plus which I was informed in the very beginning that these charges would be waived and my credit hit would be repaired. I had a perfect rating and GM ruined all of it. Ruined my perfect credit score. I have a new vehicle XXXX XXXX. Had I known that this unbelievable lies would occur and continual harrsement with Robo calls and different story each time by GM reps, I would never have purchased a other GM automobile. Once this existing lease is up my family and friends will never buy or lease a GM vehicle again. Promises made that Im a loyal customer and all fees waived including 2 remaining payments. So we went with another lease and traded in the existing car. 110 days later I get a phone call demanding {$800.00} dollars by GM and never knew that there was an issue. They claimed they sent invoice. Ive always paid every creditor on time for perfect credit score! GM ruined my perfect credit score and not fixing it as they promised. Never again will I purchase s other GM vehicle. The internet is full of complaints with lease end issues. The Robo calms are a joke. Its a recording and continual. Yet every agent I talked to had a different story on my Acct. I still ended up having to pay {$540.00} & I dont even know why. I was Informed by the GM agent that all this will be corrected after my dealership did a 3 way conference. Yet nothing was corrected. I hate my new vehicle due to GM ruining my perfect credit score that I worked so hard to get. And never realized there was an issue being informed that all fees are waived when I traded in my lease to get into a new lease offered. Robo calls with a recording are stressful and conversations by agents that claimed all will be taken care of and not to worry. Yet they went from XXXX demanding payment - then dealer told GM agent to correct and informed all is good. Yet Robo calls continued and I would have to call them. They would demand payment this time {$540.00} when I was informed all fees waived and GM apologized for the confusion. Such lies. I will never buy from GM again. The complaints on line about lease returns into the thousands. This kind of abuse and lies by GM needs to stop.
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| 11/20/2022 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My name is XXXX XXXX and I am writing to you about an unfortunate incident that happened at XXXX XXXX regarding my lease-end purchase processing. Upon receiving the lease-end inspection through XXXX on XXXX XXXX ( at the end of my two-year XXXX XXXX XXXX lease ) , I decided that purchasing the vehicle instead of returning it was the best option. There were about XXXX extra miles owed, as well as some damages outlined in the inspection report that would justify the lease-end purchase XXXX returning the vehicle, as these fees are routinely waived when you lease-end purchase the vehicle. I called GM customer service and they stated that my father could purchase the vehicle and I didn't have to be present.
The closest dealership to process this transaction was XXXX XXXX in XXXX ; it is a participating dealership that can process XXXX lease-end returns or purchases. The Sales Manager, XXXX XXXX, required an e-mail from myself stating that my father could return and purchase the XXXX, since I was out of the country. I e-mailed him on XX/XX/XXXX authorizing this ( screenshot attached with GM Financial account details ). It was discussed multiple times with XXXX that we are purchasing the vehicle to avoid the overmileage and any damage fees incurred during the two-year lease. My father signed the provided paperwork with the discussion and understanding that the vehicle was purchased in a lease-end fashion, NOT a used car sale.
Since then, GM has contacted me via voicemails stating that I owe a disposition fee, as well as the over mileage fees. A disposition fee is a fee a leasing company may charge you when you return a car at the end of your lease period. The fee is meant to cover the costs of cleaning and preparing the car for a potential buyer. However since we bought the car, this and all other fees should have been waived and never charged. They didn't even do an inspection before " selling '' the car to my father. This communication was never in writing, and they left very vague messages on my voicemail : " this call is regarding your account with GM financial please give us a call back... ''. When I landed in the US on XXXX XXXX XXXX I heard these voicemails and called back to surprisingly learn that I owed these said fees. I had explained that the vehicle was actually purchased, not returned, and the fees should have been waived. i contacted XXXX XXXX right away to get the issue fixed.
However, GM later explained to me that the XXXX XXXX actually processed it as a full return, immediately repurchased the car from their auction online, and sold it to my father as a used car. Because the car return was UNKNOWINGLY processed in this manner, the fees are now in collections on my account. GM can not do anything about this, as it is now between the dealership and me. I have reached out to XXXX XXXX to assist as they are the ones who decided to process things this way, and they have stated since the car is a different individual there is nothing they can do. But this was misleading as the need to do the lease-end buyout was clearly communicated and discussed ; otherwise we would have paid the fees and purchased a different vehicle altogether.
The debt is affecting both my credit and well-being ; I made sure with GM and the dealership that the chosen route was discussed and agreed on. To take advantage of my father and provide him with the incorrect paperwork and completely disregard the plan for a lease-end buyout without disclosing it is unethical, misleading, and unfair. After trying to contact XXXX XXXX at XXXX XXXX, his general manager offered to pay XXXX as a " good gesture ''. This wouldn't be enough to cover the false charges forwarded to GM Financial, and it was never even sent!
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| 10/15/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I have had multiple billing issues with 2 car leases over the past 3 years between an incorrect late payment that they applied to the wrong account/duplicate billing for almost year and a incorrect late payment from last month from GM system error for the wrong ending date on the billing lease payment.
XXXX This payment was never late on XX/XX/XXXX, GM stated they found the check later because they applied the payment to the wrong account. This is inaccurate and they had taken duplicate payments from my account for almost year.
XXXX XXXX-still showed gm as late so redisputed it and said this : This payment was never late, gm found the check later because they applied the payment to the wrong account. This is inaccurate and they told me to have it corrected on here. This showed as late 30-60 payments. GM would not correct it even though they admitted it was an internal error.
I sent the letter below for another issue for GM Financial billing me duplicate autodrafts for the dates below.
Payment Refund REQUESTED XXXX XXXX XXXX Fax # XXXX Hello, I spoke to an employee on XXXX in regards to the duplicate charges you have on my account from XX/XX/XXXX - XX/XX/XXXX. There has been 2 payments withdraw from my checking account each month for {$180.00} for this account and it should only be one payment. I have attached all documents showing the duplicate charges.
The charges were as followed : XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} XXXX {$180.00} Per discussion, please reimbursement the 8 duplicate charges of {$180.00} for a total of {$1400.00}. Please refund my checking account directly or send me a check : If you have any questions please contact me at or via email me.
Thank you.
XXXX credit due 2-3 weeks request submitted XXXX -spoke to XXXX Current issue with GM I have a XXXX XXXX XXXX lease that has been set up for the automatic recurrent payments since the loan began in XXXX. I received a letter on XXXX stating my payment was late. I contacted them on XXXX and asked why I received the letter and they said I missed the payment. I told them that was incorrect as it was set up from the beginning of the lease term for the automatic payments with the same exact bank. They said I canceled.set it up to stop payment on XXXX. This is inaccurate as I had already set it up for the entire loan lease period. The customer service rep stated their is a glitch in the system that will cancel the recurring payments. I stated I need this fixed asap and she said she can not help me. I was told to make the 2 payments for the amount of XXXX. This included a fee. I received the confirnation number-XXXX stating it was paid in full. I called GM again today to get their error resolved on my credit report and they would not assist me to get it fixed. I explained to them they do not send me any paper or email statements. I received one letter which was the letter on XXXX stating I was late. I also asked them why they do not communicate any of my loan or issues they had by calling, mailing or emailing me. They stated they do not know. I found on XXXX over 1000 reviews of the same issues occurring to other gm financial customers who appear to be effected by this same issue. Please see the links below of a few of the sites.
Link below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My excellent credit score has now been ruined from GM FINANCIAL error again. I have contacted GM to investigate on XX/XX/XXXX and resolve this issue. THEY WILL NOT FIX IT nor do they care. They can not take responsibly for all their errors.
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| 02/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Older American |
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CFPB Complaint submitted XXXX Gentlemen, A brief description of our case is about unknowingly .entering into a fraudulent business agreement with a private financial consultant firm, XXXX XXXX XXXX XXXX XXXX XXXX . Later during the business process suspicion turned into reality when specific and or nonperformance of contract, & the preparation of the Family Office, the Investments, wire transfer fraud, unauthorized credit cards purchases, then finally the theft of two vehicles, computer and office equipment, Security Instruments, and other personal property. ( Which have been documented with the XXXX XXXX Police dept. and the XXXX County Prosecutors Office ) For the past year we, have been corresponding with the two finance companies since XX/XX/XXXX, with GM Financial , & XXXX XXXX, the finance companies, and we're paying minimum on approx. 22 credit cards.. Their inaction has caused great hardship to me and my family. Has caused undo emotional stress and a horrible financial burden and mental duress on me and my whole family.
We still are continuing as recently as XX/XX/XXXX relentlessly with letters to the two finance companies to the with GM Financial, & XXXX the financial companies involved to reopen the accounts, restoring the credit limits, removing the fraud charges, removing the erroneous derogatory credit notes on my and my wife 's credit reports. But to no avail the erroneous derogatory information is still reported on the credit reports and keeping our FICO scores down, even though we've been completing all of their forms, letters of dispute and submitting to them all the records they requested about the incident .However theyre steadfast with their low credit score ( s ) that they keep reporting every single month since the fall of XX/XX/XXXX. To date.
The Financial Co.s acting in bad faith are GM Financial XXXX and XXXX XXXX, to facilitate the theft claim.
Although since the fall of XX/XX/XXXX, we have hired a credit repair expert XXXX XXXX to help us mitigate the damage ( that snow balled lack of participation ) the finance companies and the insurance company they have had no positive effect on our credit score and reports. After spending over $ 3,000.Dollars in fees. The FICO scores for XXXX and XXXX were XXXX, & XXXX, prior to the fraud to XXXX & XXXX today.
Summary of issues : 1 ) Theft of 2 SUV vehicles XXXX claim denied, GM and XXXX send notice of repossession sent to credit bureaus XXXX action contributed to low FICO scores. Low FICO scores snowball to credit cards and credit lines reduced or canceled, interest rates go up on balances.
2 ) Wire Fraud {$50000.00}.
3 ) Credit Card Fraud, {$230000.00} certain credit card companies denied fraud charges 4 ) Identity Thefts 5 ) Security Instruments Fraud and theft 6 ) Computer and Office Equipment 7 ) Credit card companies closing accounts 8 ) Credit card companies denied fraud charges 9 ) Credit card companies lowering or removing available credit limits Low scores snowball to credit cards.
lines on several credit cards, Thus changing the balance to credit limit. Causing credit cards closures and drastically reducing available credit and raising the interest rate on the balance due. ( Draconian Banking Penalties on consumer loans ) 10 ) The GM Financial , & XXXX XXXX, are steadfast in maintaining their derogatory postings on the three national credit reports. action contributed to low FICO scores. Low FICO scores snowball to credit cards 11 ) The erroneous status of the two finance companies is preventing me and my wife from obtaining necessary financing, causing a Hardship on me and my family. ( XXXX denied claim contributed to the low FICO score ) What would be a fair resolution to this issue?
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| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a direct violation of my rights 15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE Credence ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Copy of link to Law Attached XXXX XXXX XXXX XXXX XXXX violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. Accuracy and fairness of credit reporting. The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
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| 02/26/2019 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I contacted GM Financial and had notified them that the XXXX XXXX vehicle was court ordered for my ex husband to pay. He failed to pay this vehicle and now its affecting my credit. I cant even get my VA home loan because GM Financial in their own words said their contract supersedes any court ordered document even though it was signed off by a judge on XX/XX/XXXX. I dont have a lawyer representing me directly on this issue, but my vehicle was brought up in the courts on my last court date and the magistrate told me that the signed court order is the best that can be done. Before I proceed to take this case any further and sue GM Financial in small claims, I suggest they look at the documents I had sent them via mail which includes a letter for the XXXX XXXX AND a copy of the court ordered document.
The letter I mailed to GM Financial on XX/XX/XXXX stated : XX/XX/XXXX To whom it may concern : This letter is in reference to the XXXX XXXX XXXX currently financed with GM Financial account number XXXX. This vehicle was recently involved in a wreck and subsequently deemed to be a total loss. Per court order and judgement ( See Attached ), ownership of this vehicle was transferred solely to XXXX XXXX. I, XXXX XXXX ; previously known as XXXX XXXX, am responsible for the XXXX XXXX XXXX account number XXXX which is up to date on payments and is insured by law.
The account ending in XXXX has numerous negative remarks and is currently 117 days past due. This has been severely damaging my credit as I have been fulfilling my court ordered obligations in paying for this vehicle on time and maintaining full-coverage insurance. From my understanding, there have been no payments made toward the XXXX XXXX, owned by XXXX XXXX since XX/XX/XXXX. I hired a credit repair service on or about XXXX of XXXX and had a decent credit score with dreams of purchasing a home this year. Upon checking my credit when I applied for a home loan, it came to my attention my credit score dropped below a 500 on XX/XX/XXXX due to the late payment remarks on this account. Ive contacted your company ( GM Financial ), regarding this issue to notify them of the aforementioned judgement and court order. However, no one seemed to offer any assistance until today when a representative called me, and I let her know about the court order and judgement. Per the attached legal documents, I am requesting that the negative remarks on this account in my name gets removed immediately.
Ive attached the court order for proof of responsibility of each vehicle. On page 15 of 17, under XX. MARITAL ASSETS, it states the following : The parties own two vehicles jointly. Husband shall keep the XXXX and be 100 % responsible for all payments. Wife shall keep the XXXX and be 100 % responsible for all payments. Each party shall keep their vehicle insured as required by law.
This has been signed and finalized by a judge and the county of XXXX on XX/XX/XXXX and Honorable Judge XXXX XXXX signed the final judgement of dissolution of marriage with a minor child and no property.
I have an attorney who is representing me who will be able to provide a letter of representation upon request. Their contact information is : The Law Offices of XXXX XXXX XXXX, XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX If you have any questions regarding this, please contact my attorney or myself. I expect that the attached legal documents are sufficient in removing any financial liability of myself from the XXXX XXXX ( GM Financial Account # XXXX ).
Cordially, XXXX XXXX XXXX XXXX XXXX I ask if someone can review this immediately and handle this accordingly. I dont want to waste either partys time.
Cordially, XXXX XXXX
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| 01/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I purchased a car from gm financial it was a used certified XXXX XXXX that at tge time seemed to be in working order well a few months after i had possession of tge car we were struck in XXXX with hurricane Harvey i lost everything in my house hold pretty much tgatcdayvitcwaschorrigic i was out of work for over a month displaced in a hotel payed and provided to me by XXXX XXXX and fema my car damages howevercwere never recovered tge windshield was broken or cracked from one end to the next and tge transmission is bad now the car got really flooded tge water inside was over the dashboard it was bad it took two weeks plus to completely dry it out however it does drive but it needs repair i took it in to tge dealership to be fixed and they barely made any effort to drive a short distance and said it was running fine and tge computer says everything is perfect when i know if they would actually take the car for a longer drive on the highway at an accelerated speed of seventy miles an hour tgey would see the issues km speaking of with tge transmission on top of that tge cabin filter and other filters were completely flooded out and come back as needing changing every time i get my oil changed so honestly i have thus car that is not running appropriately that i am still one hundred percent responsible for financially and i got really behind after Harvey because of obvious reasons then sadly a few months after that maybe six months later i ended up wrecking in my company truck and broke and injured XXXX in my XXXX and shattered my XXXX had to have my XXXX XXXX repaired and was hospitalized for over four and a half weeks due to tge injuries i also missed a significant amount of work as i had XXXX XXXX and XXXX attend for my XXXX and XXXX to get my body back in functioning order it was quite honestly a huge amount of pain and emotional and mental and physical distress in my body and my mind it left repercussions on my finances my marriage my work my life and my mentality honestly do i hoy even further behind mind you every time i even attempt to send gm financial a check payment in the mail they mail it back to me lying saying it instead but in all honesty they want me to pay through XXXX XXXX because it gives tgem extra fees i have to pay just to make a payment i am beyond disgusted and upset because u have pretty much begged gm financial to give me some sort of deferment or payment arrangement to bring my account current and to good standing instead of doing tge evil tgey continuously do to me by keeping me on tge repo list keeping me on tge collections call list keeping me on the charger off in thirty days list refusing to listen to reason or negotiate when Ive laid all tge cards on the table and been one hundred percent honest with tgem tgey refuse to fix my car or even make an honest effort to see what is wrong with my car tgey simply seem to want to let this balance balloon up so large so they can charge me an astronomical amount of money then repo my car and they have all my money and tge car because of tge cracked windshield i wont be able to get inspection or insurance i cant purchase another car this is tge only vehicle i have all i want us my car repaired and account allowed to be in good standing just one more chance to get in my feet some human compassion i mean even big companies are going broke like XXXX and others so its not just me we all have hard times Ive been through some really horrific nightmare times but i know if they give me one more shot i can make things right and by all rights they are supposed to fix this car fema and XXXX XXXX told me so and Im still under warranty
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| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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SUMMARY : Although I timely made all my monthly lease payments to GM Finance per the amount calculated by GM Finances computer system using their monthly recurring auto debit system, they inaccurately and/or incompletely reported my account to XXXX, XXXX, and XXXX as 30 days past due. As a result, my flawless credit history has been damaged and my line of credit with a financial institution, which is needed to operate my company with 10 employees, has been terminated. I request an immediate correction of this inaccurate reporting and removal of the derogatory indicator regarding my GM account. I already telephoned GM Finance customer service and disputed this derogatory credit indicator and they refused to investigate this matter completely and have applied hyper technical rules to summarily dismiss my dispute.
FACTS : - I leased a GMC truck on or about XX/XX/XXXX. GM dealer informed me that I must make my own payment arrangements and that I must set up my own payment method online. I created an online account and chose a monthly recurring payment method for the required monthly lease payment to be withdrawn automatically from my bank account on the XXXX of each month.
-GM Finances website specifically stated that my minimum monthly lease payment was {$340.00}. See Attachment # 1 which is a screenshot of the GM payment portal which states : Your minimum payment amount is {$340.00}. I relied upon GM Finances computer system generated minimum monthly lease amount which was consistent with the amount that I discussed with the dealer. {$340.00} was debited from my bank account for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX by GM Finance. See Attachment # 2. Prior to XX/XX/XXXX, I relied upon the system implemented by GM Finance and expected that GM Finance would protect my interests with various notifications if there were problems with my arrangement. As with most busy consumers, I chose the recurring monthly auto debit method because I do not have to worry about any problem with missed payments or late payments.
-In fact, I did not receive any notification via email, telephone, or by mail even though there was clearly an error regarding the minimum monthly payment since the inception of my lease on XX/XX/XXXX, although I signed up for late payment notification -On or about XX/XX/XXXX, GM Finance closed my account as delinquent and discontinued my automatic recurring monthly payment arrangement without any notice. Additionally, they reported that I was 30 days past due on my account to all 3 credit reporting agencies without any notification.
-Subsequently ( on or about XX/XX/XXXX ) they informed me that I have been paying the wrong minimum monthly payment since {$340.00} did not include the sales tax of {$26.00} and I should have been paying {$360.00} each month.
-I believe that GM Finance inaccurately reported the date of my alleged delinquency which is inconsistent with the FTC 623 ( a ) ( 5 ) ( A ) as the minimum payment shortage started on XX/XX/XXXX, not on XXXX, XXXX or XX/XX/XXXX as GM Finance reported. See Attachment # 3, - GM Finances has refused to investigate this matter completely and has escalated their own computer system glitch or error to a detrimental negative credit information concerning a consumer.
- I researched online and discovered that other consumers are having similar problems concerning GMs deceptive, contradictory and unfair credit reporting practices due to various reasons including the prior recent history of glitch in their system ( their XXXX systemwide technology upgrade affecting consumers reported ) see Attachment # 4A and # 4B.
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| 04/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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The issue is the vehicle was funded with documentation that did NOT come from me but submitted to the Financial Institution, AmeriCredit Financial, per my conversation with XXXX, Supervisor of the Funding Dept., On XX/XX/2020. I was told that they had received XXXX Cable Bill in my name that I do NOT have.I questioned them funding with this documentation from the dealership when they knew from me that, I had no bills in my name. I was told that they received this from the dealership on my behalf.
I was in personal transition at the time of the purchase of this vehicle coming out of bankruptcy & dealing with medical complications. My address hasnt been updated on my license from me moving to family members home. I have NO bills at the residence in my name. During this time I was in fact trying to get all my affairs in order & ended up back on medical twice. The funding Dept notified me BEFORE the vehicle was funded stating a deadline for having documentation in to them in order for the deal to go through. Due to me having medical complications at the time, I wasnt able to produce the documentation meeting the deadline & said if I had to return I would once on me feet. I was prepared to return the vehicle once cleared from XXXX XXXX per a voice message left on my voicemail by the Sales Manager XXXX XXXX. He stated that he needed proof of residency by the next day or they needed the vehicle back. I also have medical documentation to prove of my XXXX during this time if need be to handle this case.
I was told by the dealership that they would be able to hold it off while I was on XXXX & if they needed documentation from me they would call & let me know. They stated they would work something out to hold off on the deal & potentially work a better deal possibly with more money down, seeing I wasnt satisfied with the vehicle from the initial day. Instead they pushed the deal through anyway without my knowledge. They produced false documentation to get this deal funded. I have never received a welcome letter, phone call or coupon payment book. I was told by the Finance Manager, XXXX, to expect a call from the Funding Department concerning the vehicle. He said they would ask me some questions regarding the agreement & I must answer correctly or it could ruin the deal. I never received that Welcome Call of questioning. However, I began to receive calls from an unknown Texas number with vague information on my voicemail not addressing me. I called the number thinking they have the wrong contact information for someone theyre trying to reach attempting to get my phone number off of their list. I found out that this number was GM Financial whom merged with AmerCredit & they had an account for me now past due from a vehicle that was funded with false documentation in my name, submitted by XXXX XXXX Dealership.I just recently received a statement invoice from GM Financial after making them aware of this issue as well looking for resolve as the Funding Department told me I had to deal with their customer service. They stated they would look into it & contact me back as well. I suppose sending me a statement for the first time was them contacting me back, still no acknowledgment of the issue for resolution.
I DO NOT want the deal/vehicle. I want this off of my credit & they can have their falsified deal/vehicle back. I am longer interested in a better deal with them behind this. They have lied & violated any trust being established to do business with them. I have reached out to them for resolve to no avail. I am now concerned of this affecting my credit of which Im trying to re-establish.
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| 01/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account information incorrect
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Web |
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The account with GM Financial for {$3700.00} and reporting as 3 charge offs is inaccurate. This account is in regards to a XXXX XXXX XXXX XXXX XXXX that I leased through GM Financial on XX/XX/XXXX. This lease was set to terminate in XX/XX/XXXX. I traded this vehicle at XXXX XXXX XXXX XXXX in XX/XX/XXXX for a XXXX XXXX XXXX. The vehicle was left with XXXX XXXX XXXX at this time. Recently, I have been working towards repairing my credit in the hopes of obtaining a mortgage in the next few years and upon reviewing my report I noticed that I still had a balance remaining with GM. I reached out to GM on XX/XX/XXXX to inquire about the remaining balance as I thought it was rolled into the loan for my XXXX XXXX XXXX and the balance was higher than the remaining balance when I traded the vehicle in XX/XX/XXXX. I spoke to multiple people who all informed me of different reasons as to why the balance was so much higher than when I traded the vehicle in XX/XX/XXXX. I was told by one person that the balance was the remaining lease payments plus depreciation. Another person told me the balance was due to excessive wear and tear on the vehicle. Another representative for GM Financial informed me that I was responsible for the entire value of the car, which was $ XXXX, and the balance was the difference between what the car actually sold for at auction ( the car was sold on or around XX/XX/XXXX ). I requested an itemized bill as proof of validation of this balance since I had received so many different reasons as to why I had a remaining balance but was denied.
On XX/XX/XXXX, I called GM Financial again and spoke with XXXX, ID # XXXX. I again asked for an itemized bill as validation of the remaining balance be mailed to my home address. XXXX advised me that the already sent me a validation and for legal and liability purposes that GM will not send more than one letter. However, she can go over the reason for balance with me over the phone or mail me a balance due letter. I asked again for an itemized letter be mailed but she refused to send me one because in her records one had already been sent. I asked her when the letter was sent and she explained that she actually does not have a copy of the document in my account but it is typically sent within 30 days of the vehicle being sold and it can take up to 90 days for a copy of the itemized bill to appear in my record. I advised that the vehicle was sold at auction in XX/XX/XXXX so it had been greater than 90 days so the document should be there. She again confirmed that it was not and denied sending me an itemized bill. XXXX also confirmed that our conversation was recorded.
On XX/XX/XXXX, I received a missed call from XXXX with GM Financial following our earlier conversation. I returned the call and began speaking with a gentleman named XXXX. I again asked for an itemized bill describing the balance due and XXXX explained that he had been instructed by management not provide me with this document. He states that according to their records one had already been sent to me as well as a balance due letter. He advised me that the balance due letter was sent in XX/XX/XXXX. I asked him to provide me with the date the itemized bill was sent to my address and upon review my account these is no documentation or date that an itemized letter was sent however it is typically sent 30 days after the sale of the vehicle. I asked multiple times to have an itemized bill sent to me as to why I owe the balance prior to resolving the debt and was denied multiple times. I asked XXXX if our conversation was recorded and he replied that it may or may not be.
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| 02/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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[ My name ] [ My return address ] [ Date ] [ Debt collector name ] [ GM Financial ] Re : [ Account number for the debt ] Dear [ Debt collector name ] : I am responding to your contact about a debt you are trying to collect. You contacted me by [ phone/mail ], on [ date ] and identified the debt as [ debt collection on auto loan ]. Please supply the information below so that I have all information : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
Have been any payments or other reductions since the last billing statement from the original creditor? If so, provide an itemization showing the dates and amount of each of them.
Have there have been any other changes or adjustments since the last billing statement from the original creditor? If so, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 06/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I called GM financial XX/XX/XXXX spoke to XXXX about a misapplied payment.
I always make my payment for the month its due for and then make a 2nd payment afterwards. This allows me to see my principal to decrease faster. GM financial however CONSTANTLY misapplies the payment towards prepaid interest and the next payment due. EVERY MONTH I've had to call GM since ( XX/XX/XXXX ) i got the car loan to ask that they correct the misapplied payment. EVERY MONTH i ask for a payment history to reflect how the payment was applied to my outstanding UPB ( unpaid principal balance ) as a mortgage underwriter for a big bank i know the benefit to paying more each month.
Paying your loan down faster decreases the amount of interest you pay over the long haul. I believe GM financial is directly causing me and others harm by misapplying the payment. Furthermore by the time they fix the misapplication they've still caused harm by not applying it on the day they receive it towards the interest.
SO in this most recent example. On XX/XX/XXXX i paid the XX/XX/XXXX payment that was due XX/XX/XXXX. Then on XX/XX/XXXX i paid an extra {$50.00}. GM Financial applied that extra {$50.00} on XX/XX/XXXX towards the XX/XX/XXXX payment that was NOT YET DUE.
So i called XXXX and was told it take 1-2 biz days for them to correct the misapplied payment. I was also promised a payment history to show me how the payment was applied. But if the payment was corrected on XXXX or XXXX i still paid extra interest from XXXX and depending on when it was corrected thus still charging more interest on the UPB then i should have.
This is where they are committing financial harm to their customers. Its like your penalized for paying more and/or its like we ( GM Customers ) are not allowed to make an extra payment each month.
Like your DISENCOURAGED on paying your car payment down more each month. I want a payment history every month. I would like to see the GM financial website UPDATED so customers like myself can see where our funds are going, see how the UPB decrease each month. Every other financial provider has this technology available.
My last car loans with XXXX XXXX and XXXX XXXX ( 10 + years ago ) already had this technology in place. Each time i make a payment i should be able to see what goes to the balance of the loan ( UPB ) and the interest each and every month. As a GM Customer i should be able to accurately track where my funds are applied. No different then a personal loan, mortgage loan or even a car loan.
Please update your website to allow a more customer friendly experience, This will create trust with me and others. It will allow me to also free up my time and your customer service agent like XXXX from taking long unnecessary calls that could be easily AVOIDED. I spend at least 30 mins each time having to call GM after i make my principal payment ( Again after the payment is due for the respective month ) This is now the 4th CFPB complaint I've filed. Each time i get a canned letter saying You took out a loan, you owe us 75 payments at X amount. You signed this contract on x date. Blah, blah, blah. Here 's a payoff statement thru x date. you're free to leave we don't care we got you strangled by 8.1 % interest rate.
UMMM YA i know it GM Financial. I'm not an XXXX. I just want to pay off my loan sooner. PLEASE FIX YOUR PAYMENT PORTAL. PLEASE STOP MISAPPLYING MY PRINCIPAL PAYMENTS. I want to see the fruit of my labor come to for wishing. i want to strengthen my equity position with my car so i can refinance AWAY from you and/or trade this car in and finance thru another bank
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| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I turned in a lease XXXX XXXX on XXXX XXXX. This was the first time in many years I did not release due to unavailability of vehicles nation wide. I was also unaware that I could have extended my lease due to Covid-19 till after I turned it in. I had purchased {$5000.00} additional wear and tear plus tire coverage for this vehicle at the start of this lease. At the end of XXXX I received a bill of a disposition fee ( {$390.00} ) with additional charges of excessive ( {$110.00} ) wear and tear and {$30.00} in taxes. My wife call GM and was told since we did not release, this is there fee, and to go to the dealership for the wear and tear charges. She spoke to a manager ( on XX/XX/XXXX ) that was not very helpful in her explanation and told her to call GM back to get a break down in charges since that was through a 3rd party. We were then able to access the pictures taken by this company. they charged me for the owners manual that was clearly in the pictures that they took and damage to the back diver side rim. GM agreed to take that charge off since they could also see the manual. I stated to GM that I also took pictures of the XXXX XXXX before turn back and there is clearly no damage to that rim. We also told GM of all the additional coverage that was purchased and that car. That was when we were notified of those policies are also 3rd party, a claim would need to be filed and to return to the dealership. My wife did with the bill from GM. They said they would look into it give them a week or two. Wife called back the dealership and no one knew what she was talking about. we had to start over with someone different. We had notified GM when they called us that this was in dispute and trying to get it resolved. We received 2 on star notices via email on XX/XX/20 that 1 or more tires were flat 8psi on 2 tires. On XXXX XXXX that dealership told me via email to contact the dealership that I originally purchased from. I did and we had to start all over with new people. still telling GM when they called it was still being worked on. I was told verbally not to worry they would take care of it all. On XXXX XXXX GM called our home and that was when they informed me that it still had not been handled. Since I had no bill from GM of the actual charges with the manual taken off, i requested a bill to be mailed to my home. That would be only the 2nd correspondence via mail from GM. I called the dealership right away. I was informed that the person working on it retired, they did not know what i was talking about but assured me he would work on it right away. However the holiday 's might make it take longer. I received the bill from GM after the first of the year XXXXand it was dated XXXX XXXX. It stated the account # here is the final bill and to contact them with any questions. This bill still had the owners manual charges on it. {$530.00}. With absolutely no communications via mail GM turned me over to collections on XXXX XXXX. I found out when I called my bank about a loan on XXXX XXXX. I have received nothing from GM regarding collections ever! This has ruined my credit for something that was covered by insurance! I am a XXXX XXXX that relies on good credit scores for loans! MY wife contacted GM on the XXXX XXXX. GM was not helpful nor knowledgeable in this situation and very condescending. I was never informed of this moving to collections in any communications manor or given the opportunity to fix this prior to collection activity. Gm informed my wife of the balance on this account during there conversation on XXXX XXXX. This account was paid in full on XXXX XXXX
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| 04/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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Hello, I am a current GM Financial customer. My account number is XXXX. I contacted GM Financial XX/XX/2020 and explained to the customer service agent VIA secure messaging I was unable to afford the vehicle and asked if there was an option to turn in my vehicle with no penalties and fees due.
The agent confirmed via messaging ( which GM has a record of ) I am able to with no penalties or fees.
I then began my search for a used vehicle I could pay cash for and have more certainty during the pandemic. I found and signed a purchase contract on a cheap vehicle.
I went to turn in my lease per the conversation with GM, and was told by the dealer I am responsible for fees, payments etc.
This is the opposite of what I was advised of. I am now in a very bad position as my non refundable deposit has been forfeited which I would have used in a different way if I was advised correctly.
I ask that CFPB intervene and hold GM to the obligation the rep. gave.
See a copy of the conversation below.
Hello I can no longer afford this truck. Can I turn my lease in early?
Read Info at XXXX, XXXX XXXX : Thank you for messaging us. Our team members are currently helping other customers. Your estimated wait time is 8 minutes. Thank you for your patience.
Info at XXXX, XXXX XXXX : This conversation may be monitored or recorded. In the event we are disconnected, our team members are available XXXX - XXXX XXXX XXXX. - XXXX XXXX CT and Saturday XXXX XXXX - XXXX XXXX. CT.
Info at XXXX, XXXX XXXX : This conversation may be monitored or recorded. We want to be respectful of your time, so please feel free to go on with your day! You will be notified when we respond. If there is any additional information that will help resolve your question, please add that now.
Info at XXXX, XXXX XXXX : Thank you for your patience, we'll be with you shortly.
Info at XXXX, XXXX XXXX : This conversation may be monitored or recorded. We want to be respectful of your time, so please feel free to go on with your day! You will be notified when we respond. If there is any additional information that will help resolve your question, please add that now.
XXXX " Personal Identifier XXXX '' at XXXX, XXXX XXXX : Good Morning XXXX XXXX, Yes you may turn in your vehicle early. You will need a vehicle return receipt and notify GM Financial once the vehicle has been returned.
You at XXXX, XXXX XXXX : Where do I get the return receipt? Are there any penalties for turning it in early?
Read XXXX " Personal Identifier XXXX '' at XXXX, XXXX XXXX : The dealership will provide you with the receipt and no there are no penalties.
You at XXXX, XXXX XXXX : ok, is there anything else I should know about?
Read XXXX " Personal Identifier XXXX '' at XXXX, XXXX XXXX : No sir You at XXXX, XXXX XXXX : ok thank you.
Read XXXX " Personal Identifier XXXX '' at XXXX, XXXX XXXX : You're welcome You at XXXX, XXXX XXXX : one more question who do I need to speak to at the deaerlship Read XXXX " Personal Identifier XXXX '' at XXXX, XXXX XXXX : Call first because most dealerships are by appointments but the receptionist will give you instructions.
You at XXXX, XXXX XXXX : i just called and they are closed. are there any other options?
Read XXXX " Personal Identifier XXXX '' at XXXX, XXXX XXXX : You could turn in the vehicle to any XXXX, XXXX, XXXX or XXXX dealership in your area.
You at XXXX, XXXX XXXX : ok great thanls Read XXXX " Personal Identifier XXXX '' at XXXX, XXXX XXXX : You're welcome Conversation closed by the agent at XXXX, XXXX XXXX :
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| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Reminder that UCC codes, USC, the HJR 192 are legislature put into action for use by the consumer. The problem is that most people don't know because corporations don't want them to know. When people like us find out about and how to use these codes, the corporations fight back even though they are not following legislative codes.
XX/XX/XXXX, my wife and I sent payment in full to discharge the debt for our XXXX XXXX XXXX XXXX. Payment was sent, certified/return receipt to GM Financial CEO ( as we did not know where it was to go to ) XXXX XXXX in the format of a remittance coupon. We listed each of the corresponding UCC codes and definitions that pertain to this payment ( UCC 3-104, UCC 8-102 , UCC 9-105 ( 1 ), 18 USC 8, UCC 3-603, UCC 1-308 ( a ), UCC 3-419 and House Joint Resolution ( HJR ) 192 ). The payoff amount sent on the remittance coupon was {$35000.00}. We received a letter back from GM Financial Central Fraud dated XX/XX/XXXX. In short, the letter told us that the documentation we submitted is not recognized as legal tender by the United States government, the Federal Reserve and the Internal Revenue Service, therefore, it is not an acceptable method of payment for our account. GM Financial Central Fraud then told us that our documents are often used as a payoff scheme by fraudsters, that we must continue to make payments as per our contract ( which is with XXXX XXXX XXXX, not GM Financial ) and gave us a website to go to for acceptable forms of payment.
XX/XX/XXXX my wife and I sent the Department of Treasury, a request to audit GM Financial on our behalf by way of a W-4 Sandwich. My wife and I each sent the Treasury a W-4 , a form 1040 and a 1040V to pay the Treasury for their work. There has been no response to date.
XX/XX/XXXX my wife and I sent full payment in the amount of {$33000.00} in the form of a remittance coupon, again with all codes ( UCC and USC ) and HJR 192 and a 1040V to pay the Treasury agent for their work. There has been no response to date.
On XX/XX/XXXX my wife and I sent detailed accounting of our payment history for a W-4 Sandwich audit to the Internal Revenue Service . We included a W-4 , a form 1040 and a form 1040V so the IRS agent can get paid for their work. There has been no response to date.
XX/XX/XXXX my wife and I sent copies of the remittance coupon dated XX/XX/XXXX with all pertaining codes ( UCC & USC ) and HJR 192, along with our fee schedule to GM Financial/Payment Processing imploring them to discharge the debt of our account as per the negotiable instrument sent to GM Financial/Payment Processing . No response to date.
XX/XX/XXXX my wife and I sent a form 3949A and a 1040V for their efforts and a copy of the paperwork, including the remittance coupon submitted XX/XX/XXXX. No response to date.
XX/XX/XXXX at XXXX, GM Financial contracted with XXXX XXXX XXXX and sent them to our abode to repossess our XXXX XXXX XXXX XXXX We are in a state that is a civil self help repossession state ( all repossessions have to be voluntary ). The police and sheriff deputies worked to get us to allow the repossession driver to leave our private property with our vehicle. My wife and I were adamant that our truck was not to be taken off of our private property. Under duress we aquiesced to the request of the police and sheriff deputies. Under the Colors of Law statute, this becomes a wrongful repossession.
Done in good faith, understanding both spiritual and legal liabilities of, " Thou shalt not bear false witness against thy neighbor. ''
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| 11/24/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I would like to file a complaint with your office against repeated failures by GM Financial Leasing ( GM Financial ) to explain and correct billing errors over a two-month period, wrongful reporting to of an adverse credit event to credit agencies and hurting my otherwise stellar credit scores, and predatory lending practices by daily collection and harassment calls made by collectors from GM Financial to my cell phone number.
I leased a new XXXX XXXX from GM Financial on XXXX, XXXX for a term of 3 years ( the Lease ). During the term of the Lease, I made monthly payments as requested on time every month via bill pay service offered thru my bank, XXXX XXXX XXXX XXXX XXXX ( Bill Pay Service ). GM Financial was responsible for making all property tax payments to the Town of XXXX as an owner of the vehicle and charge the same to me. At no time during the Lease was I informed in writing or otherwise that the applicable tax payments were not made or not made on time, and to the best of my knowledge, I have made all such payments promptly as requested by GM Financial.
On XX/XX/XXXX, I received the last statement for my Lease ( attachment1 ). On XX/XX/XXXX, I made my last lease payment of {$320.00} to GM Financial via my Bill Pay Service ( attachment2 ). This left me with a XXXX balance on my account when I checked my account balance online on GM Financial 's website.
In mid XX/XX/XXXX, I received a phone call from a GM Financial rep, stating that I have an outstanding balance of {$2200.00}, with no explanation of why I have incurred these charges. I checked their website and indeed found an outstanding balance of {$2200.00} with no explanation ( attachment3 ). I called the contact number on the statement immediately, spoke with a GM Financial customer service representative, and asked for an itemized explanation of the outstanding balance in writing. None was provided and there was no follow-up calls from GM Financial. Since then my husband and I have made numerous calls to GM Financials with the same request. To date, GM Financial has failed to satisfy our repeated requests.
Starting in XX/XX/XXXX, I have been receiving 3-4 phone calls per week from GM Financial collectors asking for immediate payment of the outstanding balance and threatening to report me to the credit agencies. At every one of these collection calls, I have explained that we have not received a written description of charges. I have been given verbal description of some of the charges but this description changes with each phone call.
On one or more of such harassing calls, I was told that most of outstanding amount ( including interests ) results from a bankers check that was bounced some time in XXXX. At no time was I informed in writing of such incident during the term of the Lease or thereafter either by GM Financial or my bank XXXX. I have separately confirmed from XXXX that the check in question was cashed ( attachment4 ). This is clearly a billing error by GM Financial but they have refused to correct the error.
I am outraged by such unsavory and predatory lending practices by a heavyweight like GM Financial. One would think they should know better, and they clearly dont. I have filed a complaint with the state consumer protection agencies, and I would like to request CFPB launch an investigation of how widespread such practices are and how many consumers are negatively impacted.
In the meantime, I have filed a dispute with the credit agencies regarding the same matter.
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| 03/02/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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My father died in XXXX XXXX. At the time he leased a vehicle from GM Financial. I returned my father 's car to the dealer in XXXX XXXX and GM Financial sold the vehicle at auction on XXXX/XXXX/XXXX resulting in a surplus. It has been nearly XXXX months and I can not get GM financial to send me the refund. This is the last outstanding item before I can close his estate. I 'm asking your help to get GM Financial to send me the refund and close the lease account.
I attached XXXX documents. The first is a statement GM Financial sent after they sold the returned vehicle at auction. The second document is a copy of the monthly bill they keep sending me seeking {$970.00} in property taxes. That amount applies to all of XXXX and has not been prorated based on the date of sale ( XXXX/XXXX/XXXX ). It also does not apply any of the surplus from the sale.
The paperwork I received after the vehicle was sold indicated that there was a surplus of {$1700.00}. But it does not appear to be applied correctly to the account. Total costs related to the sale ( line XXXX ) are shown as {$710.00}, but Credit : Surplus Received ( line XXXX ) also shows {$710.00}, not the actual figure of {$1700.00}. Also, the subsequent bill for {$970.00} in property taxes has not been prorated for the partial year nor does it apply any credit from the surplus. I finally spoke with a customer service representative on XXXX/XXXX/XXXX who agreed that after making these corrections I should be getting a refund of {$570.00}. I 'm still waiting.
I 'll also add some other information about my whole experience in this process because if I do n't tell anyone they ca n't make any changes regarding how they operate. When I first called to report that my father had died and I asked what to do with his car, I was told someone would call me back. I did receive a few voice messages from someone saying they were calling to " follow up with me, '' leaving only a first name and a toll free number. The callers did not identify themselves as being from GM Financial or state what they were calling about. If a family member has just died and I receive a suspicious call like this, why on Earth would I call the number? Thinking maybe it could be GM Financial, I looked up the number online and found no connection to GM Financial, but I did find postings from other people with a similar experience, wondering who could be calling them. In retrospect it probably was them, but I was never sure. I eventually managed to work with the dealer and return the car to them to hold for GM Financial. The car was sold at auction and I received a package indicating there was a surplus due from the sale. For months I 've been trying to collect. When I called the main customer service line, I was told I needed to speak to the lease recovery department. The problem is the lease recovery department is a voicemail box, not a person. I 've never had any of my messages returned. Only when I filed a complaint through their website was I able to get someone to call me back ( on XXXX/XXXX/XXXX ). In the meantime, I continue to receive a bill every month for the ( incorrect ) property tax. No one seems to be taking action on this. I understand that when a lease holder dies it is a default- but there really ought to be a process for families who in good faith are just trying to return the vehicle to the leasing company and resolve the account without this nearly nine-month ordeal. And after all they got all the money they were owed- I have not.
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| 11/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This complaint begins with an account with GM Financial that is being reported on my XXXX account with inaccurate and missing information. The car was totaled and was paid off by the liable insurance company, however GM Financial is reporting this as an account with a balance and late payments that is hurting my score. I contacted this company on XX/XX/XXXXto discuss my options in resolving this matter in that I am weeks away from closing on my mortgage and need to have this resolved for my underwriter. I spoke with a customer representative named XXXX who told me that the account showed that it was paid off in XX/XX/XXXX by the insurance company and the account should be reporting with a XXXX balance and I should dispute this with XXXX. I then got off the phone with her and contacted XXXX who then said that contacting GM directly would possibly speed the process. In hopes to escalate the situation, I contacted GM Financial again to get something in writing so that I could forward this to my lender for a rapid rescore. I then was sent to an individual named XXXX in customer service who sent me to the NON-collateral department who then told me that the account was now with a third party collection agency and that I would need to call the number XXXX, This is all the information I was given. I then got off the phone and XXXX the number to see that it opened a page with XXXX XXXX XXXX XXXX XXXX that claimed they handled complaints about the a company called XXXX XXXX XXXX XXXX who the number belonged to. I then called the number to be forwarded to a voicemail message with XXXX XXXX of XXXX XXXX and I left my name and number that GM Financial had in their files. I realized that the collection agency was not an entity of GM Financial and confirmed that the account had been sold or outsourced. I attempted to contact GM Financial for a 3rd time to try to resolve this again only to be met with another misinformed customer service representative who said they cant make any changes to the account and wanted me to verify the XXXX number to call ( the number I was given earlier ) because they have so many companies for outsourcing and the one I was given earlier was not listed in my account. I asked to be forwarded to the NON-Collateral department since our talk was leading nowhere, so she put me on hold and then came back to say that I needed to contact the third party collection agency they dont have the account. After some back and forth, she forwarded me to GM collections and not the non-collateral department where I was told that the account was with a third party collection agency, I explained to the collections assistant again what XXXX and I were discussing for 30 minutes, and was placed on hold to get me to the non-collateral department. She then put another collections rep on the phone named XXXX license # XXXX who still wasnt attempting to assist me with any effort. I am trying to resolve this issue as soon as possible in that this is the only thing keeping me from qualifying for my home loan. I have attempted tirelessly to contact GM Financial to rectify the situation as in legally they are to remove things that are inaccurate or submit correct information. The service I have received to resolve this is unsatisfactory and is in noncompliance of the Fair Credit Reporting Act. I have yet to receive any letters regarding the validity of this debt and when trying to resolve it, I was sent in circles by GM Financials representatives.
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| 09/12/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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A couple of days ago, I submitted XXXX complaints on collection companies ( XXXX XXXX XXXX # XXXX and Diversified Consultants # XXXX based on fraud ). Please note federal law dictates that failure to verify debt must be done within 5 days on notification not sixty. As of XX/XX/2016, both the fraudulent XXXX XXXX XXXX. Fraudulent debt and XXXX fraudulent debt are still on my credit report.
Today, I am filing the third fraud case against XXXX XXXX and GM Financial. First of all, I am and have been a XXXX for thirty years. I pay my bills. This incident along with the XXXX others appear to be a form of surrogate retaliation for my XXXX. Due to jealousy from the purchase of a used Cayman Porsche, XXXX bank held my car payments for sixty days. As a result, GM Financial sent me a repossession letter and placed two late payments on my credit report. At first, I was somewhat shell shocked because I knew that I allowed XXXX bank via bill to pay GM Financial. I did n't detect the fraud till later and when I sought to prove the fraud as any good detective would, I was denied the XXXX and XXXX car payments cancel checks and mailing records by both XXXX and GM Financial. I returned the Cayman Porsche due to this fraud and the surrounding cover up by XXXX and GM Financial. I am requesting that the balance of debt be deleted from my credit report due to this fraud, deception, misrepresentation, and cover-up.
Contact : GM Financial XXXX XXXX XXXX GM Financial President XXXX XXXX XXXX XXXX, Michigan XXXX XXXX # XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Please forward this complaint to both company Presidents. As indicated in the correspondence by XXXX XXXX XXXX XXXX, she claimed that the XXXX XXXX, 2014 payment was accepted but it had the wrong address. And stated that I put in the wrong address, which I disputed. When I asked for the cancel checks for the XXXX and XXXX payments, she refused to provide them and stated that they were destroyed. I feel that she was lying based on the normal retention period of cancel checks being about six or seven years. I contacted GM Financial and spoke to XXXX executives in your company : XXXX XXXX, XXXX, who failed to provide me with the mailing documentation that your company received the XXXX payment with the alleged incorrect address. Nor would he provide me mailing documentation that he received the XXXX or XXXX payments. Prior to speaking to XXXX XXXX, I spoke to a XXXX XXXX ( XXXX ). I returned the vehicle because XXXX and GM Financial both failed to provide customer records to disprove their complicity in fraudulent acts to harm the customer. With only the XXXX made available, there is sufficient documentation on that check alone to question the veracity of XXXX XXXX and the integrity of her investigation. These discrepancies include : a ) XXXX, Tx. XXXX, b ) Correct GM Financial Acct # XXXX, c ) signed by XXXX Executive, XXXX XXXX, 4 ) routing number # XXXX, and 5 ) absence of proof of endorsement by GM Financial accounting staff.
When the above check reflects these discrepancies, the normal thing to do would be to allow the customer to review the original XXXX, XXXX, and XXXX mailed payments by XXXX and to review the original received and endorsed checks by GM Financial. As stated, neither XXXX nor GM Financial granted me the opportunity to review records relevant to my account. Please remove the charge-off from my credit report immediately due to fraud.
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| 08/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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HELLO GM FINANCIAL, I am writing to you tonight because you illegally took the leased vehicle that I have been paying on time.
Attached are documents to prove that my account is not delinquent. Since I leased my vehicle, I have been paying by automatic pay. Around XX/XX/XXXX, for some reason, GM Financial system stopped taking money from my XXXX XXXX account. I found out when I saw the mail indicating that I owe 2 months - this was in XX/XX/XXXX.
So in XX/XX/XXXX, I paid for 2 months, for XXXX and for XXXX. Again, my XXXX XXXX statement will show this.
Since XXXX, I have been paying directly from my XXXX XXXX account. Again, proof attached.
XXXX has been paid as well. XXXX proof attached.
TONIGHT, YOUR REPO GUY TOOK THE CAR FROM US!!! THIS IS XXXX OF XXXX COMPANY FORECLOSING ON PEOPLE BY MISTAKE!!!!!
THIS IS UNACCEPTABLE! YOUR REPO GUY TREATED US LIKE THIRD CLASS CITIZEN! HAD US TAKE OUR BELONGINGS OUT OF CAR IN THE MIDDLE OF THE NIGHT AROUND SO MANY PEOPLE!!!
I AM PRETTY SURE THAT YOUR COMPANY HAD ALSO GENEROUSLY WITHOUT AVAIL HAD RUINED MY CREDIT AT THIS POINT.
I AM IN THE MIDDLE OF PURCHASING A PROPERTY AND I EXPECT MY CREDIT TO BE CORRECTED TOMORROW!
I ALSO REQUIRE THAT YOU DELIVER TO US TOMORROW!!!!!!!!
I DO NOT OWE YOU MONEY!!! YOU ILLEGALLY TOOK THE CAR!
UPDATE : I spoke with XXXX XXXX/XXXX XXXX XXXX : Representative # XXXX and # XXXX told me this after I sent the same documents I attached here : 1. That they will need proof that the money has been debited from my account ; 2. That they need proof that the money is being paid to GM Financial because the attached documents provided to them does not show it ; 3. That they have been calling me at my work and my cell phone number which they conveniently had incorrect.
4. That they do not deal with XXXX and said they need confirmation from XXXX XXXX.
5. I told them XXXX XXXX referred me to XXXX to get confirmation number of the transaction and that is what I provided in the email I sent to them.
6. Both representative kept on insisting that I give them confirmation number when I already provided it in the email with the attachments.
7. I also told them that actually I found out yesterday that GM Financial, owes me ONE MONTH BECAUSE I SAW ON MY BANK ACCOUNT YESTERDAY THAT THEY NEVER CREDITED ONE MONTH EXTRA PAYMENT I MADE IN XX/XX/XXXX. I BASICALLY PAID TWICE IN XX/XX/XXXX BUT THEIR SYSTEM SUPPOSEDLY SHOWS I ONLY PAID 1 MONTH.
8. I TOLD THE LADY REPRESENTATIVE THAT I WILL REPORT THEM TO CFPB AND SHE RESPONDED " WHO'S THAT? '' 9. Here are the confirmation numbers of the bill pay for this account excluding XX/XX/XXXX.
XX/XX/XXXX {$230.00} XXXX XX/XX/XXXX {$110.00} XXXX XX/XX/XXXX $ XXXX XX/XX/XXXX - XXXX will provide confirmation The reinstatement department sounded as if they were covering things up. All of a sudden they have my incorrect cellphone number when I told them that I use a cellphone and that I am pretty sure that I can prove there were no incoming calls from them since they were insisting that they attempted to contact me.
I do not feel that they want to resolve this issue. They even asked me who I talked to in XXXX and what the phone number was. I gave it to them. Then I asked them why won't they call XXXX. They said they do not do that. SO WHY WOULD THEY ASK ME FOR THE INFORMATION? JUST HARASSMENT TACTIC? SHAME ON GM FINANCIAL!
NOTE : THIS CONCERN HAS BEEN EMAILED TO AT LEAST 2 GM FINANCIAL CORPORATE OFFICERS.
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| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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GM Financial you are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate.
15 USC 1681 s-2 Says you GM Financial are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
My Address is listed below!
XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
|
| 07/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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|
Web |
|
|
I have a current case in [ Case number : XXXX ] against XXXX XXXX and against General Motors [ Case number : XXXX ]. I was advised that I can make a complaint against all companies involved. There are a total of XXXX companies involved. I am going to duplicate my previous complaint words but change the companies for the remaining XXXX complaints : Blatant misrepresentation of vehicle, non-disclosure and affirmative misrepresentation due to salesman withholding info that would have affected the desirability and value of the vehicle.
I previously submitted a complaint in regards to being sold aXXXX Chevrolet Malibu on XXXX/XXXX/XXXX by the dealer knowing that the transmission was bad and having to replace it 7mos after purchase.When it went out I was told that other issues were wrong as well that I would also need repaired.i was not told that one of the other needed repairs was dealing with the engine and that it also had to do with the transmission failure as well.The dealership also withheld that they also made a repair to the transmission 1and 1/2 yrs before I purchased it.i brought the car in on Mon. because the engine light came on and was told that the engine is in serious need of repair and that it will be over {$2000.00} to fix.During my own investigation of the vehicle I just found out that the car was previously a rental car.This is total Fraud.Having these issues has caused my home to start the foreclosure process, the car was repossessed in XXXX XXXX, in which I had to pay over {$1700.00} to get back because the finance co waited until the car was almost 3mos.ALL of my bills are behind due to dealing with the issues of this car.i have lost a lot financially.I am a single parent and they took advantage by fraudulently selling me this vehicle.In addition I was told that the car was traded in a couple of hours before I purchased it by in elderly couple and that 's why the 4 yr old car had only a little over XXXX miles.that was a lie.I was told by the dealership and by GM Financial when the transmission went out that I was the XXXX owner in 4 yrs.
Purchased a XXXX worthless Malibu from XXXX XXXX last year with about XXXXmiles.I was lied to by the salesman who blatantly misrepresented the vehicle.Issues with the vehicle were not disclosed that would have affected the desireability and the value of the vehicle had it been disclosed.They even withheld repairs that THEY ( the dealership ) had performed on the vehicle.7 mos after the purchase the transmission went out.i was also told that there were other issues wrong with the vehicle when they diagnosed it in which they also did not do anything about.Lemon law did not apply.Chevrolet has not stood by their product that was fraudulently sold to me.7mos after replacing the transmission ( last week ) the engine light came on I paid the dealership {$100.00} to diagnosis the issue and was told that the engine needed serious work done to it ASAP.After reviewing the issues that I could not take care of during the transmission diagnosis, relates to the engine as well.however I was not told that.The transmission AND the engine was done when they sold the car to me.And while doing my own investigation I have just found out that the car was previously a rental car with Enterprise Car Rental in Mississippi.That 's total fraud!!!! And I am not done fighting this. This is the shortened version of all of the issues involving this car
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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Dear, CFPB come to you in good faith I wish I could pick more characters when choosing what the company did I need and demand my federally protected consumer rights be enforced these violations unless these articles are heresy and lies i stated so problems Below theres even ones i probably forgotten Violation of my right to privacy and false advertising Discrimination due to the Determination of credit worthiness noted early on, XXXX XXXX XXXX i went to XXXX XXXX to XXXX XXXX he hates rights lied said he the owner online i was approved for automobile never reach back out to me Deceptive Trade Practices Act violations I already put in my credit application I was approved each time XXXX XXXX down payment like the Law states each company tried to extort me out of funds that's not required I state my consumer rights and can't finish my deal happened with each company purchased already happened have the orders and contracts gone through I'm confused i had delivery dates they let pass by I let each company know I have a family and we need a automobile for transportation to work to support our family and the economy I want my consumer rights protected sorry if I'm causing I problem with the fraud these corporations want to commit against the consumers they called and told each other I was trying to get an automobile lied about the amounts I was getting Financed, pursuant title 12 CFR 1026. And title 12 CFR 215 Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like progressive XXXX XXXX XXXX Truth in lending Title 15 U.S.C 1605 Determination of finance charge " the sum of all charges " payable directly or indirectly by the person the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction the finance charge shall not include fees and amounts imposed by third party closing agents means everything included in the financing charge we doing an consumer credit transaction per U.S.Code of Law even my premium Id like progressive insurance if possible under the Consumer Protection Act Title 15 U.S.C 1662 no advertisements to aid directly nor indirectly installments or downpayments credit transaction failed to conduct a reasonable investigation pursuant to Federally Protected Consumer Rights notice of The violations i assert and atest single cause of action stimming fromnumerous and multiple willful, reckless or negligent violations of the FCRA ECOA TILA, and seeks actual and statutory damages pursuant to title 15 of the U.S.Cod ... against the law they made me get multiple unknown inquiries on my credit profiles after I was already approved they shopped and shipped my information illegal with my authorized nor consent pursuant titles 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7
|
| 07/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
The primary issue is the dealership : XXXX XXXX of XXXX XXXX.
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX I purchased a new car, a XXXX XXXX XXXX on XX/XX/XXXX. They told me the car would be into the dealership in about a week. I agreed and filled out the paperwork. I was keeping my existing XXXX XXXX until I received the new suv. I had updates on XX/XX/XXXX, the XXXX, XX/XX/XXXX and XX/XX/XXXX that they still did not have the car. I was annoyed but understanding about the current vehicle situation. On Thursday XX/XX/XXXX I still did not have the vehicle and received a suspension notice from the state that my license would be suspended as I purchased a vehicle and it was not on my insurance. I called the state ( spent XXXX hours on hold ) and explained and they said that I should cancel the contract and start a new one once they received the vehicle. I called and spoke to my salesman and he said they would find me another car as mine was still not in the country.
I also received a bill from GM Financial. I called GM Financial and they said that they work on the contract and have nothing to do with delivery. I asked to speak to a manager and she told me that I would have to return to the dealership to cancel the contract. I sent my sales rep XXXX a message and he said they would write me a check and then I could pay it. So I did that.
I was sent a message on XX/XX/XXXX that they had a car for me. I said I couldn't get there until the XXXX but I would be in early afternoon to cancel the old contract and start a new. I received the car on the XXXX. I also had another bill delivered on the XXXX. I brought the bill in and said, Obviously they would have to pay this one as well as I only received the car that day. I was told that with the new contract, all of those bills would be resolved. I believed them. I was told I would receive a bill XXXX in the amount of {$700.00} as my first bill.
I started receiving phone calls about past due payments on XX/XX/XXXX and I explained the situation. I asked to speak to a manager. He said he had no way to tell me which car we were discussing as there is no color or VIN in the paperwork at GM Financial. I called the dealership and was told that it takes a few weeks for the paperwork to catch up.
On XX/XX/XXXX, I received another phone call about a payment being past due. I then had a mark against my credit ( my credit scores were XXXX, XXXX, XXXX ) and I texted and called my salesman. On the XXXX of XXXX I received another letter for {$930.00}, I sent them a picture and he said his manager already spoke to GM Financial.I called GM Financial and spoke to the manager XXXX XXXX ( XXXX ) XXXX. He opened an investigation. I have never heard from him again. I sent messages every few days. I spoke to XXXX 's manager and he said he would take care of all of this.
I sent multiple messages and received no real answers. My credit score has dropped from XXXX to XXXX. I am afraid I will lose my car but I will not make 2 payments for a car I didn't have. I worked hard on my credit score for 8 years to have them destroy it because of incompetency. I spoke to another manager today from GM Financial and he told me that they never changed the loan itself. They updated the VIN number and nothing else, leaving me stuck with two payments for a car I didn't have and lapsed service that are forwarded 2 months into the future.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
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Web |
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Improper usage of sensitive and confidential information by a third party.
On XX/XX/2022 I apply to prequalify at GM Financial webpage with their advertisement and promise of " APPLY TO PREQUALIFY. NO CREDIT IMPACT.
Save time at the dealership by applying to prequalify with GM Financial. Its quick, easy, and won't affect your credit score. '' at https : //www.gmfinancial.com/en-us/apply.html 10 minutes later ( XXXX XXXX XXXX I get a call from the dealership, XXXX XXXX XXXX XXXX, asking about my interest in a specific car and for they offer me to get a list of vehicles available that I might like for which I told them it was not needed because I can get that from their webpage and that was the end of our phone call with the representative at XXXX XXXX XXXX XXXX.
A few minutes later I get a message from my credit monitoring that there was a hard Inquire from XXXX XXXX XXXX XXXX so I call them back right away ( XXXX ) and ask them why they ran a hard inquiry on my credit without my authorization for which the salesperson says she will transfer the phone call to her manager.
The manager, XXXX is his name, answer the phone and he was a bit sarcastic and rude at the beginning trying to minimize the situation and mentioning that they did NOT run my credit but emphasized in the color of the car I wanted instead of the real issue which it was the unauthorized use of my personal information. he stated that they didn't run my credit that it was GM Financial and that I should call them instead which I did.
XXXX GM Financial stated they didn't run the hard inquiry but it was XXXX XXXX XXXX XXXX XXXX I must mention that the operator at GM Financial XXXX XXXX XXXX, was very unprofessional with a very noticeable lack of experience from the beginning she said they did not do the hard inquiry but she didn't know who would. However, she stated the information was provided by GM Financial to XXXX XXXX XXXX XXXXXXXX and that I should contact the credit bureau and XXXX XXXX but in the end it was my responsibility for applying at GM Financial. Final answer it was that there was no solution to the issue and for such she couldn't help.
XXXX I called back to the dealership ( XXXX ) and the manager XXXX answered for which once again he was very sarcastic by asking when would I be stopping to pick a car ; him knowing the issue we have is something else. He mentioned that they did not run my credit and it was not their problem it was GM Financial problem and that there is nothing he can do. I insisted that the dealership name is on my credit report without my authorization and he responded almost screaming " Who filled up the form. you or me? from that point on he went into a rant which my wife was listening to on the car speaker as it was happening and then he hang up on me.
My wife started crying and she was very disappointed at the manager 's rude, violent & unprofessional service.
Once again, I did not authorize GM Financial nor XXXX XXXX XXXX XXXXXXXX to run a hard inquiry on my credit. They abused and shared personal & sensitive information to used and abused by a third party ( XXXX XXXX XXXX XXXX ) As a client, we don't reserve that type of treatment or abuse of my information. As a client, we don't deserve to be treated like a fool either.
The credit report states XXXX XXXX XXXX XXXX did a hard inquiry on me without verbal or written authorization.
|
| 10/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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Every month, when my payment is due, I authorize my monthly charge on my mobile application. This specific month, I am a little bit ahead, I went ahead and set up a charge for next month as well. ( For the first time in a long time, I am in a good place financially, and was able to set up a future payment to be drafted because the funds are guaranteed ). After confirming this, I assumed all was well. Should be noted : my monthly payment is around {$450.00}. I usually pay around {$500.00} to pay more towards the principal if I can. Anyways, a few days later, a SECOND {$500.00} charge was drafted from my account. I FREAKED out because I have piles of other bills that need to be dealt with, and losing {$500.00} absolutely crippled me financially. I immediately called up, and they were kind in reassuring me that the money would be credited in 10 business days. Still, this " solution '' really set me back, but I really had no other choice. I waited 8 days, and called again to just make sure the credit was processed and that it was set to be credited on the previously agreed 10 business days. This was NOT the case. The associate that I spoke to on the second call, now informed me that I needed to provide " proof '' that the amount was credited from my account. This infuriated me considering that it had already been 8 DAYS. Why couldn't they have told me initially that they needed this documentation? Regardless, I NEEDED THE MONEY, so I provided them with a bank statement. Another day went by, and as a responsible consumer, I called again to ENSURE that the money was on it's way. Once again, I am disappointed. They are now informing me that the documents I provided to them are not applicable, and they need a running statement from my bank. Is this not absurd????? They TOOK the money. I did not authorize the charge. DOUBLE WHAT I AUTHORIZED. NOW THEY WANT " PROOF '' THAT THEY TOOK THE MONEY AND THAT IT WAS DRAFTED??? I lost my mind at this point. To make matters worse, on top of the 8 days I have already waited for my money, the associate that I was speaking to informed me that it would be an additional 15 days on top of the 8. So, we're at 23 days now. 7 days from when this payment should have actually been drafted. I can't pay my power bill, my gas bill, or buy diapers for my child, but I am expected to wait 23 days for the money, JUST TO GIVE IT BACK. After speaking with this associate, I demanded to speak to a supervisor. The man that I spoke with understood the struggle behind this issue, but added that it will actually be 30 days from today before I will see a dime. I had to pause for a moment to collect my thoughts ... I can not believe this is actually how they choose to operate their business. I informed this associate that all of this is completely unacceptable. They stole money out of my account, and are now going to hold it for another 30 days, conveniently around the time that my NEXT payment is due. After 45 minutes, 3 different associates, they finally informed me that they have written a check and I should receive it no later than XX/XX/XXXX. Again, conveniently less than 2 weeks before my NEXT payment is due. GM Financial has robbed me. I am now forced to pay handfuls of late fees for other due payments, and to also add, my XXXX XXXX account was overdraft {$35.00} ( x2 ) dollars because of their inconsideration. I have no words.
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| 09/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I received an end of lease bill from GM for the amount of {$3600.00}. I knew that I had went over in mileage and I agree to that charge of {$1300.00}. I also agree to the disposition fee of {$390.00}. The remainder of {$1900.00} is wear and excess is completely false. I have never in other leases ( 3 total ) ever had a fee like this. I brought my XXXX truck to two different XXXX dealers ( XXXX XXXX & XXXX XXXX ) for review and end of lease look over, both agreed my truck was in excellent condition. NEVER, was I told an appraiser from GM will look at it, that's why I brought it to two dealers. I was getting it appraised, valued right???? When they left to look at my truck I was 100 % sure they were assessing my vehicle. When they returned, I was told the vehicle was in excellent condition. I called immediately after getting this ( bill ) to try and come to a conclusion so we could both move on. GM also put this on my credit report and it is now reporting late. This as of today dropped my credit score significantly. I am in total shock. This isn't even late as they were suppose to get back to me. The date on the invoice is XX/XX/XXXX19. Today is XX/XX/XXXX19, not even 20 days? I have called and called to get this matter resolved, but they never call me back. My call history goes like this : XX/XX/XXXX19-Called to dispute excessive wear, said they would call me back. XX/XX/XXXX19 ( spoke to XXXX XXXX She had no new info for me yet, will resubmit my dispute. She also told me my truck was inspected 1 full week after I had dropped it off ( I included my drop off receipt ). XX/XX/XXXX19-Called ( spoke to XXXX ) She said no answer yet to my dispute of wear charges, she will look into it and call me back by Friday XX/XX/XXXX19. XX/XX/XXXX19 ( spoke with XXXX ) She said no new updates in my file, she will send email to XXXX and promised to get back to me by the end of the day. Called again on XX/XX/XXXX19 ( spoke with XXXX ) I said today this is due and I am waiting for the mileage to be corrected so I can pay them that. I emailed her the correct paperwork of starting mileage of XXXX. They have a different number of XXXX. I asked if the dispute on wear and tear has been looked at. Still nothing. I asked for a manager and then got on the line with XXXX ( XXXX ) this was a number she gave me. She stated that while they recalculate the mileage they can give me a payment plan. She promised to get back to me. I told her that a loan was now on my credit bureau with them. I stated that this isn't a loan but rather a bill from GM. She assured me this isn't something that will hurt my score. As of today XX/XX/XXXX19, my credit score dropped 43 points. It now shows late on XXXX XXXX. My credit history is flawless til today. I am in need of help. I also found out that someone at the XXXX dealer that works in the auto body department also was just hit with an excessive wear and tear on his lease return. If this is happening to people who actually work for GM, this may just be a huge issue. Imagine the money they make by XXXX you into damages, and ruining your credit ( you can't dispute these, even as my truck sat on a dealer lot for 7 days ). You can't dispute them because GM owns the appraisal company too. I asked for the appraiser info only to find out they won't give it to you. I look forward to hearing from you!!!!
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| 06/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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The GM Financial billing system conversion negatively affected me personally and my credit status. They are unwilling to help and have violated standards of fair business and multiple consumer protections.
I only just recently learned of GM Financials system collapse from early XX/XX/XXXX, and that I am one of the customers affected.
Let me begin by saying that I have been purchasing GM vehicles since XX/XX/XXXX. Since that time I have owned or leased 7 different GM vehicles. Much of the financing for those vehicles has been through GM Financial ( or legacy XXXX ). I have NEVER missed a single payment ... ..NOT ONE. Nor have I ever missed a payment to this day! I have a rich credit history, with current scores hovering around 800.
Up to the GM Financial system conversion and through XX/XX/XXXX I made every single payment on time for my current vehicle. Then, through no fault of my own, and with no knowledge of the collapse of GM Financials systems, the problems appear to have begun with the XX/XX/XXXX and XX/XX/XXXX billing. As I regularly utilize electronic payment, either through my own financial institutions, or directly through GM Financials own phone or online systems, the problems went relatively unnoticed on my part, and their under-billing was assumed to be attributable to my overpayments in past billing cycles. As the spring progressed and systems got back online, I responded to GM Financials corrected billing statements and their reestablished online systems with, in some cases, double payments to GM Financial to resolve their own accounting errors.
And here is how I was rewarded for my loyalty ... ..with a notification from my credit monitoring service advising me that GM Financial sent 3 ... yes, 3 ... late payment notices to the credit bureaus at one time for the months their billing was broken.
Upon contacting GM Financial customer service, the representative acknowledged that she did not see any payment on my account which would have dictated this late payment action. She then went so far as to suggest that although GM Financials systems and billing were erroneous, customers were expected to pay different amounts than listed in the actual statement billing???? According to the representative, sending 3 late notices to the credit bureaus at one time was also a product of the system conversion, as GM Financial did not report out on billing histories to the credit bureaus for the entire spring!!! They then issued catch up notifications to credit bureaus at one time. When I demanded GM Financial remedy the issue and retract the derogatory notices, she advised that she could not help me, and that was what she had been told to tell me. I found these practices and suggestions to be so unbelievable, that I requested a supervisor. In again demanding that GM Financial remedy and retract these derogatory late payment notifications, the supervisor ( XXXX ) advised there was nothing she could do. She transferred me to the voicemail of her supervisor, and that gentleman has never bothered to even call me back after a week of waiting. I also filed an online complaint with GM Financial which also has gone without acknowledgement.
I am hereby submitting this formal complaint for unfair loan and servicing practices, as well as accusing GM Financial of unfair credit reporting practices.
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| 02/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED. WE HAD AN ACCIDENT XX/XX/XXXXXXXX RESULTING IN A TOTAL LOSS AND WHEN I CONTACTED GM FINANCIAL TO INFORM THEM I WOULD BE MAKING A GAP CLAIM THE REPRESENTATIVE INFORMED ME THAT IT WILL BE DENIED DUE TO THE FACT WE ACCEPTED THEIR OFFER OF DEFERRING PAYMENTS ON THREE SEPARATE OCCASIONS. I ASKED WHY WAS THIS NOT DISCLOSED BEFORE AND I WAS TOLD THEY HAD NO WAY OF KNOWING I WOULD BE IN AN ACCIDENT. XX/XX/XXXXXXXX THE GAP COVERAGE WAS DENIED AND GAP INSURANCE CANCELED. MY INSURANCE MADE A PAYMENT OF {$8600.00} LEAVING A BALANCE OF {$2600.00} I CALLED GM FINANCIAL AND AGREED TO PAY ANY LATE FEES BUT REQUESTED THE REMAINING BALANCE BE WAIVED DUE TO THEIR FAILURE TO DISCLOSE INFORMATION THAT WOULD FINANCIALLY IMPACT ME. HAD SPEAKING TO SOMEONE WAS VERY DIFFICULT AS THE REPRESENTATIVES HAD NO TRAINING ON HOW TO HANDLE THE MATTER AND WOULD CONSTANTLY INTERRUPT ME AND TALK OVER ME. I WAS HUNG UP ON AND HAD TO CALL BACK A TOTAL OF FOUR TIMES TO GET A SUPERVISORS VM ( THAT NEVER CALLED BACK ) I WAS TOLD TO WRITE A LETTER WHICH I DID XX/XX/XXXX AND THE FOLLOWING MONTH CALLED BACK AND SPOKE WITH XXXX ( ID XXXX ) WHO TRANSFERRED ME TO HER SUPERVISOR XXXX 'XXXX VM ( STILL NO CALL BACK ) I REACHED OUT TO AN ATTORNEY AND SUBMITTED A LETTER WHICH HAS NOT BEEN ANSWERED.
I did receive a letter from ( XXXX XXXX Compliance Department | Complaints XXXX ) who never answered her phone or replied to any fax I sent as a correspondence. In this Letter they admitted they notified me on XX/XX/XXXX that my Gap would not cover any payment extensions I may have received throughout the life of the account not when I first accepted an extension. My previous cfpb complaint XXXX was based on the fact the lender failed to provide me notice when accepting a payment extension this ( GAP issue ) would occur should I have an accident that results as a total loss, something their industry deals with often.
They also canceled my GAP insurance without the ability to dispute the fact GM Financial informed them that I had six payment extensions. Again GM Financial submitted documentation in the previous cfpb complaint XXXX that contradicted this with their own documentations and errors. The letter and payment history show only three Payment extensions. This error caused the GAP coverage company to not make the payments.
My wife and I now have a Charge Off on my credit report the day after I called them in XX/XX/XXXX and again would not be connected to a manager/supervisor. They have been deceptive and have avoided my request to speak to a supervisor countless times.
GM Financial Failed to Inform me that accepting a payment extension would result in loss of GAP coverage at the time the extension was offered.
GM Financial Failed to provide accurate counts of the extensions to the GAP provider XXXX. ( proof of error provided by GM financial themselves ) GM Financial Failed to provide me notice of Charge off so that i may dispute the debt.
GM Financial Avoided direct communication or responses to resolve this issue.
GM Financial Added additional late fees at charge-off, all late fees where already added up and itemized on the payment summary they provided.
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| 07/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a XXXX XXXX on XX/XX/XXXX, financed through GM financial, and over the last 6 months I don't believe my payments have been applied or calculated correctly. I have been requesting my account balance and interest payments be corrected since XX/XX/XXXX but have received little to no explanation or resolution.
I have been paying extra on my auto loan in an effort to pay down the balance faster with the expectation that anything above the {$750.00} due, goes towards the principle and not the following month 's payment.
There was some confusion in XX/XX/XXXX as the GM Financial app and my XX/XX/XXXX statement showed {$0.00} due on XX/XX/XXXX. Because of this, no payment was made specifically for XX/XX/XXXX ( a payment was attempted XX/XX/XXXX but cancelled ). After a phone call with customer service explaining my intentions to pay extra each month, they corrected my XX/XX/XXXX payment. My GM Financial app then showed a balance of {$1500.00} ( {$750.00} for XX/XX/XXXX and {$750.00} for XX/XX/XXXX ). This payment was made, as noted in my payment history.
I made another {$5000.00} payment in XX/XX/XXXX. After noticing the additional payment was being applied to XXXX and calling customer service again, the XXXX payment was corrected.
I made {$1000.00} payments in XX/XX/XXXX and in XX/XX/XXXX. I then noticed on XX/XX/XXXX that my GM Financial app showed a past due balance. I called customer service again and was informed they would perform an " account research '' to determine why I had a past due balance.
By XX/XX/XXXX I had not been contacted about the account research so I called again. They were unable to give any further info on the account research but did inform me that my XX/XX/XXXX payment was reversed which is why my account was showing a past due balance. I reviewed my bank statements and no money was refunded to my account, from GM Financial, in XX/XX/XXXX, or any time prior.
On XX/XX/XXXX I called customer service again. I was informed the account research was approved and still open but nothing further had been documented. I was also told that the past due balance was stemming back to my " missed '' payment in XX/XX/XXXX and that each payment following ( XXXX, XXXX, XXXX, and XXXX ) had been partially applied to the current month and partially applied to the previous month to cover the past due balances. My GM Financial app and my account statements did not show a past due balance until the end of XX/XX/XXXX.
I have made a payment for every month greater than or equal to the balance due, therefore I should not have any past due balance. After reviewing the transaction history, I have additional concerns about the amount of interest that was charged for the first 3 months, and why my XXXX payment was applied to XX/XX/XXXX. As noted above, I have called customer service several times but they have been unable to provide an explanation or resolution to the issues I have described. I sent an email requesting an explanation to the above issues XX/XX/XXXX and received a generic 'Please contact customer service ' message. When I called customer service, they again could provide no explanation, resolution, or info on account research in progress. I followed up this most recent phone call with another email on XX/XX/XXXX and have not received a response.
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| 07/15/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American |
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Background My Husband who is XXXX and I are both XXXX citizens. We down near XXXX, GA but we managed to drive on and get to a XXXX XXXX. On the XXXX of XX/XX/2021 in desperation we purchased a vehicle from XXXX XXXX XXXX.
The Dealership in our opinion took advantage of us in the following way and engaged in unfair and deceptive business practices and committed consumer fraud.
1 ) They sold us the vehicle for {$51000.00} yet had the car advertised on their website for {$47000.00} 2 ) The dealership explained that we were entitled to a XXXX customer Loyalty discount of {$2000.00} and showed us a printout confirming the discount but never actually gave us a copy of this document. We later found on reviewing the paperwork that they never gave us this discount 3 ) They charged us a fee of {$500.00} for documentation and registration but never actually did the work. We had to rely on the a XXXX XXXX in Illinois to submit our license and title work. We also had to pay the Florida XXXX an additional {$220.00} for what believed was originally covered in the charge of {$500.00} mentioned above.
4 ) They charged us a Dealer service fee of {$890.00} on our contract/ Lease agreement but never provided us anything of value. The license and title work was never done and we subsequently found out that the vehicle had not had a predelivery service done. This was confirmed by the service department of XXXX XXXX XXXX XXXX after we encountered issues with the vehicle on route to XXXX from the Dealer. So other than selling us a vehicle there was no service they provided us that warranted the {$890.00} fee.
5 ) The dealer included a charge of {$690.00} for a tire and wheel protection package but never disclosed the charge to us at the time we signed the Lease agreement. To date we have never received a copy of the Tire protection contract detailing who warrants this protection and who we should call. This omission was not done in error.
I would like the following : A ) A refund or credit of the difference between the advertised price and actual price charged to us. ( {$3800.00} ) B ) A credit for the license and title fees they charged. ( No License and title work was done. ) C ) A Credit of {$2000.00} for the customer loyalty rebate they told us we were entitled to but never actually passed on to us.
D ) A refund of The service fee of {$890.00} ( No Service for value was ever received ).
E ) A credit for the cancellation of the {$690.00} charge for a tire and wheel protection package that they never disclosed.
F ) I would like your department to impose whatever fines that you feel appropriate as the Dealership has engaged in deceptive and unfair practices resulting in consumer fraud and have taken advantage of two very XXXX citizens who were in a desperate situation.
G ) I want GM financial who have financed the lease to make sure that the necessary credits are passed as they have an obligation to make sure that the dealers they do business with conduct their business in an honest and fair way.
We had tried to call and get some resolution from the dealer but they never gave us an explanation that made any sense.
The dealers information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX My GM account number is XXXX.
Their address is XXXX XXXX XXXX XXXX, Md XXXX
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| 09/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American, Servicemember |
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When I had not received the new tags for my XXXX in XXXX, I made an appointment with the Secretary of state to find out why. The soonest appointment was XXXX XXXX.
They said that because my husband and died I needed to get the title in my name or the paperwork that gave me the right to get tags for the vehicle.
I called GM Financial and asked them what I needed to do to make this happen. They informed me to fax them a note stating what I was attaching ( see Transaction verification report ), his last will and testimony making me his sole beneficiary ( see Last will and testament of XXXX XXXX XXXX ), his death certificate ( see attached ), the certificate of insurance ( see attached ) and I would get the paperwork in 3 weeks. When I did not receive the paperwork in 3 weeks, I called to find out why. They informed me that the death certificate was not readable. I asked why no one had contacted me about this during the 3 week period and no answer was provided. They told me to refax the death certificate and it would be processed within 48 hours. I then refaxed the death certificate and also e-mailed it as a pdf. I contacted them 48 hours after sending the death certificate and they said that it was readable. When once again I did not receive the documents, I called to find out why and they said that if was because the loan was not paid off. I reminded them on one of the earlier calls I was told that they could not change the name on the title if I paid it off. I asked for the balance and it was {$240.00}. Since the monthly payment was over {$360.00} I told them to just take the money for the autopay account. They said there was a fee and I said fine. They told me I would have the title within 3 weeks. I waited the 3 weeks and still no title. I called yesterday to find out why and they said that it was because the transaction had been rejected twice. I knew that it couldnt have been rejected since my account always has thousands of dollars in it. I asked to speak to a manager and they said that none was available and they would just tell me the same thing. They said the issue was not on their end and my bank had probably rejected it because it was not in the {$360.00} amount. I went to my local bank and spoke with the bank manager. He said they did not have a record of any transactions being denied. We called GM Financial and they said that they couldnt explain it. Then the bank manager asked how I could pay. They said by debit card. When I gave them my debit card number they said it was invalid even though when the bank manager pulled it up on his screen it was fine. Once more no explanation. Then the manager asked if I could use my credit card and of course they do not accept credit cards. They had advised me on the prior call that my bank could wire the money to them and when we told them that we needed the routing number to wire it to them they said they do not know the routing number. Finally, they said I could do a bill pay would be processed in 24-48 hours and then I would get the title in 15-17 business days. I wired it yesterday and now it will be early XXXX before I receive the title and can get the tags that I have not been able to get for the car since XXXX.
Any resolution will be greatly appreciated.
XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XXXX
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| 02/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I turned in my vehicle to end my lease on XXXX. I got a letter stating my account was closed with a XXXX balance on XXXX. In XXXX I got a letter dated XXXX stating that the state of Va assessed property taxes on the closed leased account, and that I could submit a bill of sale statement to have an abatement filed. On XXXX, I called to see where I could send the requested information since it was not included in the letter. I was told they would get back with me. I still haven't heard anything back. On XXXX I get a call from the collections department at GM Financial telling me my account is 15 days past due. I spoke with a mgr named XXXX requesting that the abatement option be removed and to send me an invoice so I could pay the balance. I was told she had to reach out to the tax department to have a bill " CREATED ''. I even asked so " I am being told I am 15 days late on something that hasn't even been created yet? '' On XXXX I get a letter in the mail saying they were the documents I asked for, attached was a copy of mXX/XX/XXXX statement. Not at all what I asked for, and was incorrect in the amount due. So on XXXX I called and talked to another mgr named XXXX. XXXX assured me that he would indeed reach out to the proper channel and have the statement created as it still was not done, even said he would email it to me. I asked what would happen to my credit rating since time was passing and it was already past due, he said it would all be taken care of, but first the invoice needed to be sent. I even asked if there was a free option to pay my bill. Was told online, but that is only on an open account, and if I paid by phone there would be an additional XXXX fee. On XXXX I called again, spoke with mgr XXXX. Explained everything and how I still have no invoice sent, even though I have begged for one to be created and mailed/emailed. I was then told " GM Financial is unable to create an invoice for a closed account, and the taxes were billed to them electronically, If I wanted a statement, I would need to go to my local tax office. '' Even though my local tax office is not the ones saying I am past due. I asked the mgr " How is any consumer expected to pay a bill, if there is no communication sent to inform them of the amount due, due date, account number to pay, and address to send payment. '' I was told I learned about it when they called to collect the funds after being past due for 15 days! Even if that is true, with the number of phishing/scam calls made from " financial '' fraudsters I would never randomly pay something over the phone without being able to confirm it in hard/soft copy verification.
Any Financial Institution is legally required to send a statement/invoice and allow 28 days for payment from the closing date of the invoice. In my case a statement/invoice has not even been created, nor sent .... but is being reported as past due to all of the credit reporting companies, decreasing my credit score, credit worthiness, and brand. Even without the expected documents sent I have sent in my payment to be processed, I would like the negative factors removed and correct to the credit reporting agencies, as the company has failed to take ownership of the issue. I have never been late on my payments in fact I paid about 15 days early each month.
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| 10/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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Facts : * On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX, from XXXX XXXX in XXXX, AL. The lender was Americredit financial, which later became GM financial and who currently reports this tradeline to the three major credit Bureau 's.
* TERMS : As reported by GM financial to the credit bureau 's ; my terms continue to be reported in error. My XXXX credit report dated : XX/XX/XXXX at ( enclosure 1 ) reports my terms as 75 months. However, my contract with GM financial reflects 72 months as the terms agreed upon on XX/XX/XXXX at ( enclosure 2 ). This is one of several unmistakable errors in reporting.
* DATE CLOSED : XXXX reports the date closed on my account as : XX/XX/XXXX.
This date is also egregiously in error as the date of last payment as per my bank statement dated XX/XX/XXXX in the amount of {$1400.00}. see ( enclosure 3 ).
* PAY STATUS : Maximum Delinquency of 60 days in XX/XX/XXXX is inherently not correct ; as the account was paid-in-full on XX/XX/XXXX as per my bank statement at ( enclosure 3 ).
* LAST PAYMENT MADE : As per my XXXX credit report at ( enclosure 1 ) is further in error as my bank statement at ( enclosure 3 ) shows the last payment on XX/XX/XXXX.
* FINALLY, This account has been unmistakablly reported egregiously since XXXX.
ACTIONS TAKEN : ** Contacted GM financial 0n XX/XX/XXXX by phone. service representative informed me she would remove this account from my credit reports. To no avil, she has never responded.
** Again, on XX/XX/XXXX, I spoke with another representative from GM financial and she informed me she could not help me due to the age of the account. She further told me the last date of reporting on my account was XX/XX/XXXX. Here again, my credit report at ( enclosure 1 ) reports the last date updated as XX/XX/XXXX ; while, GM records do not reflect its reporting to the credit reporting agencies.
** Next, on XX/XX/XXXX, I disputed this account with all three major credit bureau 's as you can see at ( enclosure 4 ) with no relief forthcoming.
** On XX/XX/XXXX, I mustered up enough energy to attempt to contact GM financial by phone. This time I spoke to a young lady by the name of " XXXX. '' She further informed me " I needed to submit another dispute through the credit bureau 's and I needed to write a letter. '' Little did she know, I had went that route already.
** Today, I made one final attempt to speak with someone at GM financial as to their reporting on my credit reports. I endured being passed around GM 's credit department by the initial representative to four ( 4 ) other representatives : XXXX, XXXX, XXXX, and XXXX. Finally, I called GM 's Corporate offices to speak to someone in the legal department ; once again the passing the buck began ; I became frustrated with their phone game and I resolved to end the call.
** FINALLY : This tradeline which I bring a complaint is in its seventh year of age and throughout has been erounously reported by GM financial or the XXXX, XXXX, and XXXX ; or maybe all four. This reporting has damaged my credit worthiness to the extent my family and I have had to endure hardship and discourse within our household. We are still not able to apply for credit without paying interest in the ranges of 30 %, which keeps us at bay to even dreaming of having our own home.
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| 08/07/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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GM Financial Account XXXX - GM Financial has dropped my credit score from over XXXX to XXXX, and is not even hearing me out - I have submitted a lengthy report with supporting documents to them through the XXXX - I am now at the end of the lease and my credit is bad and it is all because of them - They tacked on a fee which was never communicated to me, and was never explained - I tried to pay for it, correct it, dispute it and simply just ask what it was for - After 3 years of phone calls, emails, website messages, and paying extra, they did not help - All I wanted was to get current on payments, ( So I could set it and forget it with auto payments ) - You cant set up auto pay with them until you are current - This was difficult, when the fees and calls for fees with no explanations, keep coming in - I have a detailed list of all the employees, employee IDs, dates, and correspondences - I have the Account Payment History they sent me, my hand written log, my bank records to match it - I have everything you could possibly ask for - What I still dont have is the original reason/date/amount, that started this late payment or fee - None of this would have happened in the first place without this first fee discrepancy - This unexplained, non-communicated fee or charge is the catalyst for my entire payment history with them Reasons GM said I might owe : - System Issues - Missed payment possibly ( XX/XX/XXXX ) - Local taxes - 32-Day late fee - Missed payment possibly ( XX/XX/XXXX ) - Missed payment sometime between ( XXXX XXXX ) To this day, all they have to say in response is a letter that ( STILL HAS THE WRONG ADDRESS ON IT! ) : Upon review of the account payment history, our records reflects the payments in question for XXXX, XXXX, and XX/XX/XXXX have been applied to the account. ( XX/XX/XXXX ) This does not explain anything.
It does not explain the original fee that started the problem In fact, it does not even explain any missing payments at all!
It simply says all payments have been applied This is not even why I contacted the XXXX on them!
This letter they sent ( I have attached ) is so bad, it didnt even fix one of the possible problems of my address in the top corner. And if that isnt bad enough, they sent the same response letter with the incorrect address twice!
My complaint is that they ruined my credit with no explanation.
I DID find a missing payment, but that was way after the fact, and because they would not let me get current so I could use auto pay. Furthermore they didnt even find that missing payment, I did! And in good spirit I admitted it during my research for my XXXX response. They didnt even find or communicate that one to me.
Summary- Sometime in the beginning of the lease they charged me a fee and didnt tell me.
When I caught it a little bit later, they couldnt explain, it and told me to ignore it.
This is when the many reasons started coming in After some waiting, I began faxing them proof of payments, emailing them, calling them, being told to wait again I paid late fees, and anything I could to try and end it.
Recently I reached out to the XXXX. No Luck there.
So now I am in need of a new car, and my credit is making it too expensive to get one.
I have attached all of the XXXX documents, with dates and references.
|
| 09/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am a mature and responsible woman who suffered significant hardship when entering into a predatory and exploitive loan with GMAC Financial through a trusted XXXX dealership in NJ. Not only do I hold a supervisory and long-term position with the state of NJ, I am in recovery from a significant and serious XXXX XXXX and a XXXX XXXX XXXX. At the time of entering into this car loan in XXXX of XXXX, I presented at the XXXX XXXX dealership visibly upset and confused due to a traumatic experience with XXXX XXXX in XXXX, NJ days earlier. Due to these reasons, despite being a life-time, loyal customer of XXXX, I fell prey to being " scammed, '' and financially exploited by GMAC Finncial and XXXX by entering into a falsely-termed and predatory car loan.
This encounter was precipitated by my unknowing purchase of a XXXX XXXX XXXX a few days earlier where I purchased a XXXX XXXX XXXX at a cost of XXXX XXXX XXXX Due to my regret over the purchase the following morning, I contacted the XXXX dealership in XXXX, NJ to request an alternative purchase of a XXXXXXXX XXXX I was informed by the dealer that the loan was " non-negotiable, '' and that they had no existing inventory of an alternative vehicle. This incident was formalized in a complain to the NJ Attorney General, who reported that the matter had been investigated thoroughly and that they found no wrongdoing on the part of the XXXX dealership.
In true desparation, I turned to XXXX XXXX in XXXX, NJ, where I was a loyal customer in the hopes of a " good deal '' on a XXXX with the trade-in of the XXXX XXXX XXXX. It is then that I regrettably entered into a car loan for a XXXX left-over XXXX XXXX XXXX through financing at close to an 11 % interest rate for a XXXX loan to pay for the only vehicle offeted. Since that time, I am locked in to a @ $ XXXX car loan for which I currently owe $ XXXX on -- double what the value of the vehicle currently is.
I entered into this loan because I was financially and emotionally vulnerable and cognitively compromised. I also took the spoken word of the finance manager that I could return for a more affordable purchase after making payments to XXXX for several consecutive months. I honored my commitment and when returning to him, he denied making this promise ( my husband was present and also heard that the purchase and loan were negotiable ).
Despite numerous efforts to bring the circumsatnces to GM Financial, I continue to be obligated to a car payment of $ XXXX, and still owe {$25000.00} on the loan. This loan has had horrific impact on my financial health and has caused severe and long-lasting negative impact on my credit history and XXXX XXXX XXXX
I am hereby requesting that both GMAC Financial and XXXX be fairly and objectively investigated so that a fair and manageable reconciliation of these unfair circumstances be reached. I am literally outrgaed by persons in my situation being financially and morally exploited by large corporations exploiting persons through predatory lending practices. It is now to the point that I am literally medically indigent and unable to pay my mortgage and for other basic necessities due to the crippling effects of these large and wealthy enterprises. Any assistance with this compelling situation would be deeply appreciated!!
|
| 10/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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My XXXX XXXX was financed through GM Financial. According to the lender, I am behind for XXXX, XXXX, and XXXX XXXX payments, with XXXX XXXX being due on XX/XX/XXXX. I was always a customer that paid in a timely manner. It was only when my health began failing and I began accruing medical bills, that I started falling behind in bills. I conveyed this to GMF, I explained that I was travelling back and forth [ from Louisiana ] for care at XXXX XXXX [ in Texas ]. I explained that this required frequent stays of several days so the expense of merely travelling was a hindrance, let alone the medical bills. in XX/XX/XXXX I had XXXX for XXXX XXXX. in XXXX I was diagnosed with XXXX XXXX. Because of the extensive XXXX I still need/needed, I exhausted my FMLA and had to vacate my position I maintained for nine years. The cost to maintain my COBRA insurance is nearly $ XXXX so things are incredibly difficult given that my income on LTD is only 60 % of what I was accustomed to when the vehicle was originally financed. I made a payment of {$140.00} to be applied to XXXX. I then made a full payment for XXXX plus {$6.00}. According to GMF, I made an error and I did NOT receive a deferment for XXXX as I thought I had. It's been incredibly difficult trying to keep track because my treatment alters my cognition and memory. Regardless, my last full payment was made on XXXX. In the past, I have let several agents know that I am paid between the XXXX and the XXXX of the month so that is when they can expect payment. Though I have already given representatives firm promises to pay, I've continued to be contacted. I've been called incessantly. For instance, on XX/XX/XXXX I was called five times between XXXX, leaving three voicemails. While I acknowledge that I should have answered, I am mourning the loss of my partner who was buried on XX/XX/XXXX, struggling with my health, and dealing with a leaking roof, leaking pipes, black mold, and warped flooring all the result of Hurricane Delta. I am absolutely at my wits end! I assumed they were calling to get a promise to pay and I knew that they should have known when I make the payment. I never received a letter stating they were considering repossession, though they claim one was mailed via postal mail on XX/XX/XXXX. I have been having issues receiving my mail and have filed several complaints with the USPS regarding the carrier.. it's for that reason that I opted in for electronic notifications, requesting that I be contacted electronically because it is more secure. I should have been sent something either electronically, or certified so it would require a signature and could be tracked. Additionally, the very day before my car was picked up, I received an email from XXXX XXXX XXXX ( Team Leader, Retail Servicing ), stating that they were " not going to recover [ your ] vehicle at present. '' By the time I received the email, it was too late to contact the company so I planned on doing so on Monday. Instead, my car was picked up at some point Friday night/Saturday. I understand that I was behind on payments and I sincerely apologize - that is not like me - but this is reprehensible that a vehicle could be repossessed without being notified. I don't feel that the repossession fees are justified given the circumstances.
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I am a FEDERALLY PROTECTED CONSUMER. MY CONSUMER RIGHTS HAVE BEEN DISCRIMINATED AGAINST AND I'VE BEEN DEFAMED BY GM FINIANCIAL ACT # # XXXX. Under 15 USC 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. GM FINIACIAL OWES ME BACK MY DOWN PAYMENT I GAVE THEM after being coerced AT THE TIME OF EXTENDING CREDIT XX/XX/XXXX. GM FINIACIAL HAS BEEN FURNISHING, SPREADING FOR PROFIT NEGATIVE FALSE '' LATE PAYMENTS ' CHARGED OFF STATUS INFORMATION ON MY CONSUMER REPORT IT WAS A UNILATERAL CONTRACT AND THEY COERCED, EXTORTED ME INTO MAKING PAYMENTS WHICH IS '' UNJUST ENRICHMENT '' AFTER THEY ILLEGALLY CHARGED OFF THE ACCOUNT AND STOLE THE CAR FROM ME IN A REPOSSION. THEY HAVE TARNISHED MY NAME AND MADE ME LOOK UNCREDIT WORTHY BY FURNISHING THIS INFORMATION I HAVE NOT BEEN ABLE TO EXTEND CREDIT IN COMMERCE WHICH IS MY RIGHT DUE TO THIS. There are FEDERAL LAWS that the furnishing of this account on my consumer reports are breaking. This account should of been deleted years ago since the first delinquency occurred in XXXX XXXX. And due to FEDERAL LAWS ON STATUE LIMITATIONS- 7 YEARS AND HALF are only as long as negative information can report on a consumer report. This account should of been deleted and off my report back in XX/XX/XXXX no later than XXXX XXXXBut not only did GM FINIACIAL break FEDERAL LAW once they charged off this account then furnished it on my consumer reports Reporting charge offs are illegal on consumer reports because the IRS PUBLICATION STATES CANCELLED DEBT ARE CONSIDERED GROSS INCOME AND 1099C ISSUED AND CLAIMED WHEN TAX FILING INCOME SHOULD NOT BE ON A CONSUMERS REPORT. Under 15 USC 1681 ( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
And the GM FINIACIAL ACCOUNT NEVER GOT TO THE 180 DAY DELIQUENT PERIOD TO COMMENCE CHARGE TO PROFIT AND LOSS. They FALSELY SPED UP the date to furnish which is Illegal and Violation Worthy. And under The GRAMM-LEECH-BLILEY ACT which GM FINIACIAL MUST ALSO ADHERE TO 15 USC 6809 ( 3 ) ( A ) I HAVE A RIGHT TO PRIVACY. I NEVER AUTHORIZED GAVE MY LAWFUL LEGAL WRITTEN CONSENT FOR GM FINIACIAL TO FURNISH, SPREAD FOR PROFIT TO UNAUTHORIZED THIRD PARTIES WHICH THEY DID FOR 9 YEARS. I'm calling on the CFPB TO ENFORCE MY CONSUMER RIGHTS, MY CONSUMER PRIVACY, AGAINST GM FINIANCIAL they have been in NONCOMPLIANCE of FEDERAL CONSUMER LAWS for years now with this account.
|
| 08/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I received the following response from GM Financial regarding my SCRA protection. Dear XXXX XXXX, GM Financial has received your complaint sent to the Consumer Financial Protection Bureau ( CFPB ) and would like to offer the following response. On XX/XX/XXXX, you signed a Retail Installment Sale Contract ( " Contract '' ) for the XXXX XXXX XXXX in the amount of {$26000.00} with an Annual Percentage Rate ( APR ) of 14.00 %. The Contract terms you agreed upon state the account would be repaid in 72 monthly installments in the amount of {$540.00}, beginning XX/XX/XXXX. On XX/XX/XXXX, the vehicle was repossessed due to non-payment. Our records indicate there was no mention of military service during the term of the contract. Records obtained from the XXXX XXXX XXXX XXXX did not reflect an XXXX status on XX/XX/XXXX, nor on XX/XX/XXXX. GM Financial has reviewed the orders included in your complaint and determined your account did not qualify for repossession protection under SCRA on XX/XX/XXXX, because you were not on XXXX XXXX at the time of repossession. If you have other orders or paperwork showing your active-duty status in XXXX of XXXX, please forward it to GM Financial for further review. Should you have any further questions or require additional assistance, please feel free to contact GM Financial XXXX XXXX directly at ( XXXX ) XXXX. Their hours of operation are XXXXXXXX XXXX. to XXXXXXXX XXXX. CT, Monday through Friday.
XXXX XXXX XXXX XXXX, thru XX/XX/XXXX My Response : The attached orders are XXXX orders. They are within the timeframe which GM Financial outlines. Begin Contract : XX/XX/XXXX, to Repossession : XXXX XXXX XXXX
See attached XXXX order # XXXX See attached XXXX order # XXXX GM Financial False Statement or representation : Our records indicate there was no mention of military service during the term of the contract. Records obtained from the XXXX XXXX XXXX XXXX did not reflect an active-duty status on XX/XX/XXXX, nor on XX/XX/XXXX.
My Response : GM Financial fails to acknowledge that not all XXXX time will be reflective in the Defense XXXX XXXX XXXX XXXX XXXX ). Furthermore, service members does not always need to request XXXX protection, the protections are automatic, and the onus is on the lender to correctly determine the borrowers military status. My account qualified for SCRA protection on XXXX XXXX XXXX XXXX : XXXX : Does the SCRA website include ALL XXXX XXXX periods?
A : No. SCRA only reports on XXXX XXXX status since XX/XX/XXXX. The SCRA website only reports Title 10 XXXX XXXX ( AD ) periods. AD periods of less than 30 days of length are not currently included on the SCRA website.
Summary : GM Financial did not apply SCRA protection to my accounts by capping interest rate to 6 % during periods covered by when I entered XXXX XXXX on XX/XX/XXXX. Nor did they submit an affidavit of due diligence to a court notating the efforts they made to verify military member service status during time frame. GM Financial simply repossessed my vehicle, like many American companies do without obtaining a court order.
GM Financial is in violation of the following SCRA Sections : 50 USC 3937 : Maximum rate of interest on debts incurred before military service 50 USC 3952. Protection under installment contracts for purchase or lease
|
| 07/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
GM Financial and I made an agreement for me to pay {$3000.00} on a Versa XXXX and the car payment will be settled. I felt the agreement would have brought me to a XXXX balance. I believe it is unfair when you pay a consumer based on agreement that both sides should be equally paid not leave a balance still on your credit report. I took on hardship to make sure I paid {$500.00} on time a month for six months to clear my name with GM Financial and make good to my debt. All I know is I tried to do right.
We developed a trust relationship base on our agreement. The Versa XXXX was a difficult experience for me. I was struggling so bad being a Hurricane XXXX victim in XX/XX/XXXX and not benefiting from the funds given because I am single plus receiving a low paying job, I needed a car to better myself. Sometime, you made a choice that is difficult to hold your part of agreement with an organization. Even though, I do not drive this car, I wanted peace with this debt so I did what was agreed. It was bitter sweet making my last payment for my Versa XXXX but I wanted complete closure on something that stress me and created hardship for me. I call GM Financial Recovery and I spoke to XXXX. She gathered my information and stated that she would see if XXXX was available. I agreed. I was troubled when she came back and told me that XXXX was not available. I understood her response and explain to her that I promised XXXX that this last payment would be in at XXXX and I wanted to confirm what was told to me. XXXX informed me my title would be mailed to me within five to seven days and my credit report would show a change in 45 days. XXXX repeated things differently. She stated that everything completed will take up to 45 days. So, I asked her could she email me a letter explaining the process and showing completion on the agreement made concerning the Versa XXXX. She said, " No! '' I know my rights therefore I request to speak to her boss, " XXXX. '' She stated, " He was not in and she will have him call me tomorrow. Her tone was disrespectful and strong as she answered all my questions. She was also irritable as she closed her conversation with me. I apologized to her for getting on her nerve. Since, I was not closing my deal with the representative I been reporting to for six months, I was uncomfortable. When I hung up the phone, I felt hurt, upset, and disappointed. I felt my hardship was worthless with this agreement and not appreciated. I understand process and how it takes time but I just wanted confirmation that the payment was received and the information told to me was in writing.
I decided not to talk or have any verbal conversation with anyone in GM Financial but write to management and let them know how I feel in writing. I am requesting in writing to receive a confirmation payment letter on the process of payment I had made XXXX XXXX, XXXX and procedures that will be taken since the agreement was complete. I truly appreciate GM Financial for giving me the opportunity to settle this debt. Most of all, realize paying what you owe is extremely important as well as your credit report number. Thank you for reading and listening to this letter. I know that management is extremely busy but I would greatly appreciate if you could honor my request.
|
| 04/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Thank you for your response to my CFPB Complaint. However, your response has raised more serious questions that I demand a full investigation into, as the errors here and potential violations of the FCRA and the Fair Billing Act are egregious and seriously damaging to my credit worthiness.
First and foremost, let me reiterate, when I returned the vehicle to XXXX XXXX XXXX I was ASSURED by our salesperson whom we have purchased several GM cars over the years, that our car was in excellent shape and we would not have any other liabilities. Naturally, as this is not my first time leasing, I did expect to be notified should something not go as planned or if I had any monies owed.
In your response, you state that on XX/XX/2019, GM Financial mailed the final bill to me. This right here, is frankly where this whole thing likely fell apart. I moved on XX/XX/2019 to my new address of XXXX XXXX XXXX XXXX Im sure, that if you check the mailing address, you did not mail me that final statement or any subsequent statements to my address of XXXX XXXX XXXX Ct XXXX I have proof, escrow documents and property records, that support my statement that I bought and moved in XX/XX/2019. This detail here, explains why I never received any final statement.
As you know, the fair credit reporting act requires that you properly notify a consumer that an adverse action may be taken against his or her credit report, and based on the facts you laid out, I was never in receipt of the disclosure as required by state and federal consumer protection statutes.
Frankly, I am not interested in arguing federal statutes with you, I am a customer of GM Financial and a lifelong buyer of XXXX Cards. My husband has a GM, I drive GM and my children drive GM. I enjoy the experience of buying cars at my local XXXX XXXX dealer, and really see this whole thing as a giant error that is now causing me serious credit damage, which is translating into tens of thousands of dollars of hard costs since this credit damage is rendering me unable to refinance my mortgage to take advantage of the low mortgage rates available today.
I am not sure of my obligation to inform you of my new address, as I had considered our relationship closed when I returned the vehicle in XXXX of 2019, and again, was assured by our salesperson at XXXX XXXX that no further costs would be necessary. I am a diligent consumer. I pay my bills and have no problems accepting responsibility for my errors, however, in this circumstance, I certainly hope you can see the unfairness of the situation. It is not my intention to engage in a pejorative stance with you, I am hoping you can see the error here, and remove/retract the negative items you have reported on my credit report in time for me to still take advantage of the low interest rates currently available. Should I continue to be damaged unfairly by this incorrect, unfair, and misleading credit reporting, I will have no choice but to pursue all legal remedies available to me, including the filing of a formal lawsuit against GM Financial to hold you responsible for the tens of thousands of dollars in damages I will have suffered by your error, and failure to act and correct your errors when formally notified of such. Thanks in advanced for your cooperation.
|
| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : GM FINANCIAL XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
GM Financial has been by far the most u ethical company to rebuild car credit with ... i invested {$3500.00} into my new car and have diligently work to make on time payments ... all while experiencing to date a total of 3 recalls a new battery and a buy back option for the vehicle that has cause safety issues. I recently requested the lates reported in the year XXXX to be removed. XX/XX/XXXX as a courtesy and again in XX/XX/XXXX as a deferment was granted and the representative informed me a late would not occur if returned before XXXX. The rep misinformed me as the month CONSISTENT of 31 one days. A slight mishap in which a courtesy waived is something to consider. After several request I was told to dispute in which I did and rhe late markers were removed ... XXXX and XX/XX/XXXX late markers occurred as I was affected by covid19..i worked out accommodations and received new jobs that were postponed and never started due to COVID..i kept in co tact and made agreed partial payments until current and within the time allotted. Under Cares Act I followed the procedures to have late marker removed and requested the diaster codes for these months and payment history to be corrected as indicated in the cares act declaration. Having to provide all this information to GM and the credit bureaus several disputes return with no correction and reverse of the XXXX lates payments now showing again. What company does not considered uncontrolled circumstances as well as courtesy grants. Considering the challenges with the vehicle recalls such an inconvenience. Furthermore I purchased oXXXX XXXX XXXX reports and my car stopped while out of town I had XXXX XXXX run the report to tell me my car was in good shape while sitting on the highway ... even after all this ... GMC has offered to buy back the vehicle so I may seek a new I e and I cant with all the late markers ... the fact that the disputes were resolved and reverse to remove the late reporting and CARES ACT does not give the creditors an option. To decide if they want to remove the late ... its law what is the reson for unethical decision making as a 1st time customer ... .the XXXX reviews reveals this is apparently common with this financial institution. I am requesting GM financial be held accountable to the law of the Fair credit reporting and CARES ACT and remove the late reporting for XXXX as previously disputed and resolved. I was not notified of the reason for reversal and what is unclear about the Cares Act declaration attached that calls for the late payment history to be reversed and coded as diaster? I invested my money I to the car deal and my auto loan was to rebuild my credit should you question my intent.
Please have someone of authority and understanding of the law review and correct my payment history ... i am now simply asking the CFPB TO BE INVOLVED and demand you to follow the law vs a curiosity late removal. I followed the proper steps of dispute and Cares Act ... please see attached Lastly ... each bureau for GM has reporting different months lates each bureau is inconsistency in reporting. Some have XXXX XXXX XXXX and XXXX this has caused me several downfalls and should be corrected as they have made a mistake results are life changing for me as a customer.
|
| 08/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I had a lease and the lease was about terminated ( ending ) XX/XX/2018. I was leasing with XXXX and my request was to to go back through the finance company I was currently with. For some reason, XXXX did not submit the application to XXXX for the new lease, they proceeded with GM. I was unaware that it was submitted to GM until receiving a call on XX/XX/2018 for my permission to make one hard pull for the lease determination as I have a fraud alert attached to my credit report. I was baffled as to why it wasn't submitted to XXXX but I did not question because I also had leases with GM for my previous XXXX. Well, after getting the vehicle, the next day I was rushed and admitted to the hospital. After finally being released, I discovered I received some notifications for hard inquiries. I viewed the notifications and I had a hard pull from XXXX and 2 hard pulls from GM. I contacted GM inquiring about the hard pulls and they referred me to XXXX. I contacted XXXX and spoke to the receptionist explaining the issue and she indicated that I needed to speak to XXXX in finance. She forwarded me and I reached his voicemail on several occasions leaving messages and no return call. I went to XXXX asking for XXXX, the receptionist indicated that he does not arrive until XXXX XXXX and she took my contact information and reassured he would call, I even asked for his email address and again, she said he will call and did not provide an email address. I explained about the several contacts to him. Needless to say, no return call.I viewed my emails and received a message about the car coming for maintenance and because I was not successful reaching any one, I replied to XXXX informing her the car is new and did not require maintenance but explain to her about my unsuccessful attempts to reach XXXX in finance ( email is attached ). Meanwhile, I called XXXX XXXX by phone and reached his voicemail, so I forwarded an email in which XXXX did call the same day and I explained the same thing. ( email attached ). XXXX tried to convince me it was 1 hard pull, but I verified with XXXX, who indicated each pull from XXXX and 2 hard pulls from GM did not go under 1 hard pull. 3 separate hard pulls. Well XXXX indicated that he would call me back in to days with the additional inquiries removed. I also received an email from XXXX, who also indicated she would contact XXXX in finance and have him to call and no call ( email attached ). For some reason, after that day, I could no longer get in touch with XXXX regardless of the contact method. My last email was saying to XXXX, it's been a long time and perhaps you were extremely busy, can you please forward me a point of contact to assist me with the matter and no response.Submitting my complaint here was my last resort because for some reason, I just could not receive any assistance with the removal of the additional hard inquiries. I was very surprise because I was under the assumption that I had a good rapport with the dealership as I left another dealership to do business with XXXX. I drive from XXXX XXXX to come to this dealership and would have done the same as I am in the process of moving further XXXX, this is such a disappointment and quite surprised about this incident.
|
| 08/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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Complaint # XXXX On XX/XX/XXXX I purchased a vehicle in Michigan ( my lease was finished, and I had the option to purchase it ). The dealership didnt respond to my calls and then I called GM Financial and they stated it was done online by XXXX XXXX a part of GM Financial. I did all the paperwork online and received a copy of the Michigan application for title. And GM Financial sent all the payment info. Michigan isnt a title holding state. Purchasers receive the original title ( lien or no lien ) and you get it via the mail. In my job history, I worked for 22 years in the XXXX XXXX, so I am aware of the process. I have never received the title in the mail. This all occurred in the pandemic, so I waited. I also sent 2 emails to the Secretary of State ( SOS ) and never got responses. I called GM Financial in XXXX after I got my tab renewal and asked why I didnt get a title as I had a copy of the title application. They stated they didnt have it and to apply for a Duplicate.
I paid {$15.00} and applied for a duplicate online. I still didnt receive it. Then I could finally get an appointment at the SOS. So, I went on XX/XX/XXXX in the morning. The SOS informed me that the XXXX after the validation was a special mailer ( I have attached a copy ) stating that I had authorized them to have the title sent there. She said both copies went to GM Financial in XXXX, MD. I was shocked as I didnt sign a special mailer for that to happen, nor was that ever disclosed to me. I went home on XX/XX/XXXX and called GM Financial late morning and after holding I got through and explained the situation ( spoke with XXXX ) and then was told they would transfer me to XXXX XXXX ( XXXX ) XXXX-XXXX as they did the paperwork. I spoke with XXXX, who looked at it and I stated Im in Michigan and they dont hold the title, why did the SOS state a special mailer form was submitted with the title paperwork and the title was sent to GM Financial and sent to Maryland? Both the original and duplicate were sent there. After waiting patiently on hold for a long time, she apologized and stated the manager was reviewing and she would call me back and it might not be until the following day. She also stated that if the title was held in error, she would XXXX XXXX me the title if necessary. We exchanged and confirmed phone numbers. On Wednesday, at XXXX in the afternoon, I called back and asked for XXXX as I hadnt gotten a return phone call. XXXX answered the phone. I went thru it all again and he was agitated that he had to listen to all of this as I stated that Michigan isnt a title holding state and why did they send a special mailer with the title application when I didnt sign that or know about that. He stated I needed to call GM financial. I was getting upset and said I did that, and they transferred me to XXXX. He also stated that I needed to Shut Up and listen to him or he would hang up. I hung up the phone. I continue to get the same run around and no answers and I am spending hours of my time trying to resolve with no cooperation. I have great credit and I purchased the car in Michigan, I am supposed to get the original title mailed to me. As far as GM Financial holding the title that was never disclosed to me.
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| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Please be apprised that Gm Financial, XXXX, XXXX XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XXXX XXXX 2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Gm Financial proceeded to completely ignore my validation & continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You also failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent.
You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. XXXX, XXXX and XXXX I would also like to know why is there a Two-year payment history reporting on this charge-off account? This account should be removed immediately due to the fact that there are late payments after a closed date. You are in violation continuing to report.
I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.
Thank you for your time * In this complaint accompanies proof of my certified receipt, Validation and my credit report showing the illegal payment history reporting on a closed account.
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| 05/21/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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As of late XXXX of XXXX, I have been contacted repeatedly regarding my account being late by GM Financial. I was advised that the amount paid on XX/XX/XXXX was credited toward some alleged balance on our prior lease. This payment was made ( actually overpaid ) for XX/XX/XXXX on my current lease. I was advised that I still owed the amount for my current lease and all applicable fees.
I was advised by the GM financial rep that the payment made on XX/XX/XXXX was applied to " excess wear and tear '', which I had not been previously informed of nor had I signed off on any acknowledgement of said alleged damage. The GM financial rep advised me to contact my local dealership where the transaction was performed, which I did.
On XX/XX/XXXX, a representative from my local XXXX dealership advised me that he had spoken with GM Financial and found that not only was there not an account balance on my previous lease, but that I had overpaid on this lease. This was acknowledged by your company when you issued me a refund for overpayment on previous lease on XX/XX/XXXX. I made several follow up calls to GM Financial, beginning on XX/XX/XXXX, regarding whether or not the refund that I received on my previous lease was part of the payment that was made in XX/XX/XXXX.
I was initially advised on XX/XX/XXXX when I spoke with an operator named XXXX and and XX/XX/XXXX when I spoke with a female operator named XXXX that the refund that I had received in XXXX of XXXX had nothing to do with the current lease and that the payment would be applied correctly to my account " as soon as a manager approved it ''. I continued to check my online statement and found that not only was the " missing '' payment not applied, but that they continued to assess late fees to my account. I continued contacting GM Financial to attempt to rectify this issue.
I made calls to GM Financial on XXXX, speaking with XXXX and also on XXXX in conjunction with making my payments during those months to inquire as to the status of this situation. I was told in the XXXX phone call that I would be responsible for the full balance, which I disagreed with. During the XXXX phone call, I was informed that I would be able to pay the " missing '' payment, but that all of the late fees and charges would be eliminated.
I gave this some time to process and I did not see any change in my balance. I then contacted GM Financial after discovering that they placed a 30 day late payment on my credit report. I called and spoke with a GM financial rep named XXXX on XXXX. XXXX initially advised me that she didn't think that the refund had anything to do with the late payment or the refund, but then advised that it did appear as though the misplaced payment was contained in the refund that sent in XX/XX/XXXX, which was contrary to the first 2 representatives that I spoke with in XXXX. I asked XXXX about the late fees and charges and she stated that I was liable for the charges, to which I advised her that I would not be paying them based on this odyssey that we'd been involved in. XXXX advised me that she would consult with a manager and call me back on XXXX. As of XXXX XXXX on XXXX, I have not received any contact from GM Financial.
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| 05/21/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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I leased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I started having issues with the vehicle and XXXX XXXX was not helpful. As a result, I decided to bring the vehicle to XXXX XXXX XXXX in XXXX. They serviced the car at no fee and because of the great customer service I chose to continue to work with XXXX XXXX for the remainder of the lease. In XX/XX/XXXX, I decided I wanted to purchase the vehicle I was leasing from XXXX XXXX XXXX in XXXX. Due to the pandemic, I called the dealership to make arrangements to actually go through with the purchase instead of going in for a meeting with a salesman. I worked with XXXX XXXX, who was a salesman at the dealership over the phone. He gave me a purchase price of {$17000.00}, this price included the last two months of lease payments, balance due, and sales tax. At no point was there any discussion of other fees, such as a disposition fee that would occur after I purchased the vehicle. On XX/XX/XXXX I drove to XXXX XXXX to drop off my check and pick up the sales agreement. XXXX XXXX did not take possession of my vehicle on this day or afterwards. Instead, I received a call from XXXX XXXX stating they overcharged me by {$20.00} and credited my account towards any service needed in the future. Again, I was never made aware of any disposition fee that I would be held responsible for.
On XX/XX/XXXX, exactly a month after I purchased my vehicle out of my lease, I started to receive threatening phone calls from General Motors Finance. They stated that I owed them a {$500.00} disposition fee. According to GM Financial website, a disposition fee is charged by leasing companies to prepare a returned vehicle for sale at auction. My vehicle was not returned to the dealership or GM Financial for sale at auction. I purchased this vehicle outright with cash. This fee does not apply to my situation. Furthermore, as I was told several times by GM Financial themselves, this fee is discretionary and they are not required to demand it. In fact, according to their website if you lease or buy a new GM vehicle, or if you purchase your leased vehicle, the disposition fee may be waived. On two separate occasions I was promised by a GM Financial representative that the fee would be waived. The first time was a three way call between me, XXXX XXXX ( another salesman from XXXX XXXX ), and a GM Financial representative. He specifically stated that the {$500.00} would be reversed and I would no longer be required to make a payment. Additionally, on XX/XX/XXXX I received a call from another GM financial representative, XXXX, employee # XXXX, who said they would review the sales contract and would send me a letter in three days confirming that the {$500.00} fee would be set to {$0.00}. This never happened. Instead, I kept receiving harassing phone calls demanding I make a payment and at one point was being contacted three times a week.
This situation has caused me a great deal of unnecessary stress in an already stressful time in my life due to extenuating circumstances. I can not take harassing phone calls for a fee that I clearly do not owe. I would like this fee to be actually set to {$0.00} with written confirmation.
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| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I was prequalified through XXXX XXXX and they sent me out a navigation system to dealerships that they deal with and I found one dealership that I was interested in it it was going to be motors in XXXX North Carolina I called the dealership and ask them do they have the car that I was interested in and one of the sales person yes so I told him that I was prequalified with Of the way and I just wanted to know what I need to do if I was interested in getting qualified to purchase the car so he told me but I told him I had to verify my pay rate will work before they could prequalify me so I am so I told him I will call him back I called them back and I couldnt verify my pay rate because I was out on short term XXXX So I was having problems getting into my portal to verify my wage well I work so I called the So I called the sales person back at XXXX And told him with my situation I told him that I couldnt get into my portal so I can verify my pay rate so Im a just have to hold off until I can get into it so he insisted and asked me that he know he could probably try to help me out on this situation he told me that he has situations like this with some of the employees who worked at my job who purchased calls from them he told me he could get into my portal if I might pay rate for me so he said of let me get some information from you OK yeah he asked me for my home address my employment my Social Security number when he asked for the Social Security number I told him and I reiterate dont run my credit without a really good sale dont run my credit I reiterated over and over again he say oh no I wont really quick so Im just trying to get into your portal to see if I could help you to verify your pay rate I have done this beforeOK so I said fine I say well Ill give you a call back the next day to see if you can get into see what what you have done the next day I called him back he told me he couldnt get into it the portal to verify my pay rate so I sit with us no problem I see is not a big XXXX XXXX right now Im not in a rush to get a car but you know Im trying to go through XXXX before the prequalification deadline Expire I said dont worry about it Ill get back with you Im a take care of this matter myself and I repeat it to him before I got off the phone dont run my credit without my written consent so after that two weeks later I letter in the mail from finance company called Ameri creditSaying that I dont do not qualify for a a call financial loan because its due to my credit situation The letter hadXXXX XXXX XXXX from XXXX North Carolina so I can know that the sales person who I was speaking with Submit itmy credit without my consent so I called the dealership and spoke with the sales person he tried to say that I gave him verbal consent to run my credit which I did and he lied about this matter so this is where I met with this situation right now there are several different finance companies sending me back letters which are bringing my credit now my credit has dropped 72 points since he submitted my information to all these finance companies I have got several letters from different finance companiesThis is where Im at right now with this situation
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| 08/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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IN REGARDS TO : GM FINANCIAL XXXX XXXX XXXX XXXX TEXAS XXXX SENT IN A CERTIFIED LETTER IN ON XX/XX/2018 ASKING FOR VALIDATION AND VERIFICATION OF THE DEBT THAT THEY CLAIM I OWE AND THAT IM ACTUALLY THE PERSON THAT OPENED THIS ACCOUNT, AND THE CREDITOR HAS YET RESPONDED BACK TO ME TO BY MAIL AND THAT HAS BEEN PAST 30 DAYS NOW ACTUALLY 45 DAYS SINCE IM REPORTING IT TO YOU GUYS. I INFORMED THE CREDITOR AND PROVIDED THEM PROOF AS WELL AS THE BUREAU THAT I AM A VICTIM OF IDENTITY THEFT AND FRAUD WAS COMMITTED ALONG WITH FORGERY. because I do not believe that I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ).
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX and the Consumer Finance Protection Bureau.
I have disputed this debt once before and never received clear uncut validty of the debt i reference ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute and was open fraudulently as I have stated before. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
THANKS
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| 07/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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GM Complaint In XX/XX/XXXX my husband and I copurchased a XXXX Cruze, financed it through GM Financial. No problems making payments until my husband was in a serious auto accident that laid an extra burden of high medical bills. I started missing payments and made them up as soon as I could. In XX/XX/XXXX it got to b too much to handle I needed to file bankruptcy ( in my name only ). My husband is on the car loan as a coborrower and he was not filing bankruptcy. I continued to make my payments to keep the car. It was our only means of transportation. Prior to this I was making my payments through the GM website or my online bank account. Once the bankruptcy was filed I could no longer access my GM account on line to make sure payments were being credited or not. XX/XX/XXXX, the bankruptcy changed from a Chapter XXXX, to a Chapter XXXX. The trustee returned all funds. Since I had extra money I paid two payments ahead. At least I thought I had. In XXXX XXXX, they repossessed the car. No notice not even to my husband. They stated due to bankruptcy laws they did not have to notify me or him even though he was the coborrower. We got the car back by paying XXXX. XXXX, towing and storage fees, and title reinstatement fees. I requested payment history from them. When I compared their history with my bank statements there are XXXX payments that were not correctly credited to my account. My payments are due the XXXX of the month. My XX/XX/XXXX payment was made on XXXX XXXX, XXXX. Through the website. Friday morning, I went to go to work and my car was not in my driveway. They had repossessed the car again. They said XXXX payment was not made. I looked at my receipt, noticed they had my bank account number wrong. I contacted them, went through several agents, said they would get back to me in an hour. This is 56 hours later, no response, no car and afraid that they wo n't work this out with me. It should have never gone this far. Please contact me and GM as soon as possible. In the first place there was missed payments, that was after the bankruptcy was filed and the statements stopped coming. True they were not allowed to send them to me, but my husband was on the loan as a co-borrower and never once called him or sent him notices at any missed payments. When I realized I missed one I would make it up as can be seen by the attached spread sheet. The amounts taken under the GM column are from their records, the amount in my column is from my bank statements.
As also can be seen by the spread sheet is that the total I paid into GM financial is {$15000.00}, taken from my bank statements. According to their records they credited me with {$14000.00}. When I take my payment of {$400.00} x 30 months of the loan that comes to {$12000.00}. How can this be so far off?
Again why did n't they inform my co-borrower that A ) the car was under a bankruptcy order, B ) payments are not being made would you please make them, C ) a repossession order has been placed do you want to pay to stop it? No correspondence at all until they repossessed the car. Then they tell him he can buy it back for {$12000.00} +. Or have to pay the difference if it sells for less than is owed
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| 11/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I financed a car a few months ago ( about 5 months ) from XXXX XXXX XXXX XXXX. Within the last month the car started to make noises so I took it in, twice. The first place I was referred to, XXXX, said it needed oil and they could hear a ticking noise in the engine ( which I didnt hear after they placed oil in my car ) but it should go away after driving. Well later that night when I was driving the car started doing a clunking noise in the hood and than the engine light went on. It was a Saturday night so i had to wait until Monday to take it in, but this time I took it to XXXX XXXX XXXX XXXX where I got it from. Sunday I did not even start the car until I took it in on Monday. When I started the car on Monday it started to smell of burning plastic. But I needed to drive it to the dealership so they could look at it. They called me later that day stating they had to have it towed to XXXX XXXX XXXX XXXX because they believe it could be under warranty. After it was towed I got a call the next day stating that it was something in my motor and the car was not drivable. XXXX was going to cover it and replace the motor but it will take 10 to 14 weeks! I asked about a loaner or somehow they could help me since I would be without a car for a few months, because my car is my job and they stated they could not. And I mean my car is literally my job! I travel around my city and with a car Im unable to transport. No a bus or an uber is out of the question. I contacted XXXX XXXX XXXX XXXX multiple times and they keep stating they are out of loaner cars and unable to assist me further. They tried to finance me a new car but it is not worth it, I traded my perfectly reliable car in for this XXXX XXXX that is now not even drivable! Now they said I could trade my XXXX in but I would not have a down payment or anything to trade in expect this new car that has so much owed still, so that means my carnote would be so much more. I dont find that fair, I bought a car from them that should be reliable and after only a few months the car is not undrivable and for sure not reliable. They were unable and unwilling to help me with any kind of loaner car or to replace my car without the extras. Ive called multiple times over the last 4 weeks about a loaner car and the answer is still the same unable to help with a loaner due to loaner cars being limited Ive even asked if they could find out when a loaner car would be available. They keep saying our hands are tied, there is nothing we can do but something needs to be done! Ive had this car about 5 months and Im paying on a car that I dont have in my possession and is not even drivable! My loan company ( GM financial ) stated they cant do anything for me because Ive only been paying on the loan for 3 months, I need at least 6 months of payments to defer 1 payment. They suggested me to surrender it, but why would I do that?! All I want is some help! All I ask for is a loaner car until my car is fixed. They are not even willing me find me a loaner from a rental company. I feel if your going to sell cars and you sell one with issues you should be willing to do everything is your power to assist that customer!
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| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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This complaint is against AMERICREDIT Until viewing my credit file, I had never heard of this company. I have been disputing an inquiry this company placed on my credit file, without my permission. My initial dispute started in XXXX of XXXX. All three credit bureaus come back with first a stall tactic and then a fake validation letter.
According to the credit bureaus, they have confirmed with this company that the inquiry belongs to me and that you are not removing it. I Demand that you do IMMEDIATELY! I have lost all my patience and this is the final attempt before I file legal action against this company.
I have been the victim of ID theft. I was in a XXXX XXXX early last year and someone made an attempt to apply for unemployment in my name. I have short term XXXX from my job so knew this wasnt me. A few months later they made several attempts to obtain credit cards and car loans in my name. There are 4 inquiries from Americredit on my report. No one in their right mind would put that many credit inquiries, apply to the same company, in such a short amount of time. I have not applied for any auto loans or credit cards and do not wish to. It's obvious this is fraud.
Since this agency is reporting that the inquiry is valid then I demand to see the proof. Also, prove that it is actually me that made the inquiry 1.I demand the original credit application signed by me, showing my wet ink signature? You dont because it doesnt exist.
2.Did you even make an attempt to investigate this matter to prove it was actually me? Again, no you did not as I was never contacted by this company in regards to this so-called fake investigation.
3. I demand a full ledger of every step of your investigative process, for each dispute submitted by me.
To continually ignore my request for validation shows malicious and willful noncompliance, which is against Federal Law. You have violated many federal laws in The Privacy Act of 1974. One agency is not allowed to share information with another agency without a consumers consent. 15 UCS 1681 Section 604 A Section 2 - clearly states any furnisher of consumer reporting is to have written consent from the consumer before reporting and item. Americredit did not have my consent.
I have reported this fraud to the proper authorities. I am demanding you remove all inquiries made by this company to all three credit bureaus immediately. Federal law states that fraudulent items are to be removed within 4 days. You have run out of time. If these inquiries are not removed and proof of this action has not been sent to me I WILL TAKE LEGAL ACTION AGAINST YOU. Violation of the Fair Credit Reporting Act is {$1000.00} per violation. Since you have decided to ignore or perform proper due diligence when I demanded an investigation, you are responsible. You are the furnisher of this information, so the burden of proof and all liability is on you. At this time, I am demanding {$2000.00}, for the violations and the immediate removal of all inquiries from this company.
The following inquires were placed fraudulently on my report on XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Your expeditious handling of this matter is expected.
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| 11/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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GM Financial XXXX. XXXX XXXX XXXX, TX XXXX. XXXX : GM Financial Account XXXX and RE : XXXX. FOR : 68 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1692, 15 USC 6802, 15 USC 1611, 15 USC 1635a and 15 USC 1692.. On XX/XX/XXXX, I, XXXX XXXX and XXXX XXXX are the consumers, Creditor-Seller. We never got a loan, we entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and GM Financial. As the Creditor and nature person we were violated of our rights in the retail installment sale contract simple finance. The contract listed XXXX XXXX XXXX as the Creditor-Seller. In pursuant to 15 USC 1602g the name and address listed on the contract is in violation. We, the consumer, Creditor-Seller were taken advantage of our consumer 's rights. In pursuant to 15 USC 1605 the determination of finance charges are in violation. In pursuant 15 USC 1611 this contract gives false and inaccurate information. In pursuant to 15 USC 1635 we were never provided a form for the right to rescind during our consumer credit transaction onXX/XX/XXXX. In pursuant to 15 USC 1692 the abundant of evidence of the use of abusive, deceptive and unfair debt collection practices by these debt collectors are appalling. Immediately, after we entered a consumer credit transaction GM Financial start sending us GM Financial account statements in contents of a letter, sometimes with a bright red color to the eyes of an adult and in which they never indicated that the communication relates to the collection of a debt. Which was embarrassing to have delivered to our home for other people to see. We received these GM Financial Account Statements every month from XXXX to XX/XX/XXXX. Approximately a few weeks ago GM sent me a copy of our Retail Installment Sale Contract Simple Finance Charge after I called to ask who gave them the permission or clearance to share our personal information with XXXX, XXXX and XXXX without our written permission. Also, to mention we were never provided the opportunity to opt out in pursuant to 15 USC 6802. In pursuant to 15 USC 1692e this contract is deceptive or misleading representation and caused us the consumers emotional distress. On XX/XX/XXXX I forward GM an affidavit of truth and invoice for 11 Federally Protected Consumer Rights Violations Under 15 USC 1692. On XX/XX/XXXX I submitted a complaint with CFPB in regards to our privacy being violated. On XX/XX/XXXX a XXXX XXXX from Americredit sent us what appears to be a letter from GM Financial Central Fraud and again our consumer 's rights to privacy was violated. CFPB complaint XXXX and the wording in this letter is very overwhelming to read. This sale contract simple finance charge has been breached. Enclosed is a copy of the cease and desist, invoice, 3 affidavit of truths. One affidavit was submitted in a previous complaint. One affidavit from the Creditor-Seller XXXX. XXXX and other affidavit from the other Creditor-Seller XXXX XXXX included in the consumer credit transaction. Proofs of violations including exhibits from pages 1-57, and other pertinent documents to show that GM Financial are using third party debt collectors to harass us.
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| 02/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Car purchased in XX/XX/XXXX. Extra amount paid to account every month, through my bank bill pay option, with a phone call every 1-3 months to have the extra applied to principal. During each call, I would also ask about paper statements as they were inconsistent, eventually becoming non-existent in the mail.
Late XXXX, I again asked about putting extra in account towards principal. I had just had a payment clear my bank account and had mentioned this to gentleman on phone. Receiving confirmation that in 1-2 days it would be applied to principal, I also asked about statements. I was told it was also taken care of and was assured statement would be received for the next month.
The following weekend, the XXXX app told me there was a balance due on the account, but due to timing of alert and call center hours, I had to wait until Monday to learn that the payment and excess on account had been applied to principal. This resulted in appearance of no payment, penalties. What followed is several weeks of phone calls and continued assurance that this would be corrected. Instead, I received notice three weeks later that a ding was going to hit my credit due to late/missing payment. It took three MORE phone calls to finally find someone willing to help me and personally take responsibility, calling me back regarding correction to the account.
After two years of requesting paper statements or digital ones, I finally spoke to someone able to correct the digital statement setting to allow my account to collect statements so that I can track how much is being applied to the principal on account each month. I am missing consistent statement history. For a loan that is 2.5 years old, I have 9 total statements available for my review. Digital or print. I have never received requested transaction report after the XXXX snafu.
This past month XXXX XX/XX/XXXX XXXX, I requested TWICE, via the app chat, to have excess on account applied to principal. Each time assured that it would be taken care of within 72 hours. This afternoon, I called asking for extra payments sent to be applied to principal. In reply to question about balance on account, I learned that the excess in account prior to XXXX payment was never made to the account.
After every request for principal payment, I am instructed to wait up to 72 hours to see changes made to account. However, there is no balance available on my account, just what is due each month. With inconsistent statements, this has become a daily task to verify payments have been made correctly to account.
This has been a monthly headache for the life of this loan and is quickly becoming a UDAAP issue due to payments not posting to my account in a proper and timely manner, the inability for me to balance my own account due to limitations of statements and detail within app, no statements available to review, and falsely threatening to report credit status to bureaus. Having a car loan should not cost me 30+ minutes of every month making sure my account is as desired. Nor should it take more than ONE contact to ensure that statements are sent to me or that payments are made correctly to the principal of my loan.
|
| 06/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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The early part of XXXX GM financial mailed out and emailed out information that their website would be undergoing a total reconstruction that their website basically would be down for approximately a month or so they also sent out letters saying that the website would be a big inconvenience to GM financials customers A lot of the emails was headline providing the service you expect preparing for service outages and also service is servicing your account is our highest priority they told us initially in the emails that the website would be down for only about 30 days but it was down possibly about 7 to 8 months. And also it was reporting in accurate balances on my account but GM financial when I would call them they would give me an accurate balances which I paid on time the website showed that I made the payments and also showed an accurate totals of accounts when they finally updated their website it showed that I was behind on my account and I was 30 to 60 days past due due When the website was finally updated and they reported it to the credit bureaus I would also like to add that they didnt report any activity of credit reporting for approximately eight months which is a clear violation of the fair credit act when you call their customer service and tell them about the issues that youre having with their credit reporting they tell you that they cant help you in any kind of way due to fear credit reporting I went through my bank accounts financial statements in it show that in those nine months I made the payments but GM financial deals with XXXX XXXX to process their payments and XXXX XXXX processed their payments Incorrectly sometimes taking 3 to 5 days for the website to update I may make a payment and it doesnt update for up to five days which they are giving people 30 day late and youre only late 27 to 28 days but just because XXXX XXXX doesnt process the payment they are reporting in accurate reporting on Consumers credit reports. I would also like to add that all three credit bureaus are reporting 30 and 60 day late and some of the months on this account shows that no data available is reporting from GM financial but when I look at my GM financial account and pull up my statements the information is on GM financial statements but they are not reporting it to the credit bureaus In the month of XX/XX/XXXXI have 3 to 4 no data available .... 1 60 day late. 4 30 late All in the year of XXXX the same months that their website was being updated the website was reporting accurate payments been made I have proof from my bank statements and proof from XXXX XXXX emails whats the payments was made GM financial doesnt offer any help to fix any credit reports or any false reporting due to their mistakes reporting to credit bureaus I would also like to add that this has just happened in the month ofXX/XX/XXXX I made the payment onXX/XX/XXXXin on XX/XX/XXXX it doesnt show that the payment was made but they set a 30 day late over to the credit bureaus that I was 30 days late because their system hasnt updated yet thats what I was told by customer service I feel that they are in clear violation of the fair credit reporting act
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
GM Financial Complaint Consumer Financial Protection Bureau Submitted XX/XX/XXXX The XXXX % XXXX, retired of XXXX who has experienced continued health problem that has caused her to be hospitalized on multiple occasions and have to rely on family and friends to assist with her personal affairs. XXXX XX/XX/XXXX XXXX was unlawfully possessed in XXXX, Kentucky, at The XXXX on XX/XX/XXXX. Under Illinois repossession ( citizenship, XXXX XXXX License Plate ) or XXXX ( XXXX dependent student attends college ) she had not received any written notice of her rights and deadlines/fees. In fact, XXXX contacted GM Financial when she was made aware that her caretaker responsible for paying her monthly bills amongst other bills. XXXX spoke with XXXX and had made arrangement to bring the General Motors Financial Account current as by XX/XX/XXXX. XXXX advised that at that time that there was not any order for repossession, and this was confirmed with the GM Financial Lost Litigation Department. However, XXXX was forced to surrender her XX/XX/XXXX XXXX, and keys at The XXXX, XXXX, XXXX, KY XXXX on XX/XX/XXXX, as her dependent student returned to the University of XXXX. In speaking with XXXX, neither XXXX or GM Repossession department aware of the repossession, and there was not any order to repossess. This was further verified by XXXX a supervisor in GM Financial XXXX XXXX Department. In addition, both individuals expressed that GM Financial was aware that the vehicle was in XXXX, Ky since it is registered to in XXXX. This left me stranded in XXXX. After the XX/XX/XXXX incident, XXXX assigned another family member to handle her affairs, for she has experienced multiple TIA and mild XXXX. XXXX vehicle was XXXX behind when it was repossessed on XX/XX/XXXX, as she was unaware.
XXXX XXXX was not properly notified per XXXX Law or XXXX Law on repossession. She has also filed a complaint with the Attorney General Office in XXXX because she is receiving conflicting information on if XXXX has jurisdiction since it was repossessed in XXXX or XXXX has jurisdiction because the vehicle is registered in XXXX. The complaints are pending a response. In addition, a complaint has been filed with the Consumer Financial Protection Bureau. XXXX is grateful for any assistance the Better Business Bureau can provide, as her family and she continue to seek legal representation. To dateXXXX has received no written notification on the repossession, whereabouts of her XX/XX/XXXX XXXX been able to retrieve personal items, or sale date. In addition, because XXXX from XXXX Attorney General Office contacted GM Financial on XXXXs behalf prior to submitting her formal complaint in writing she is being advised that she can only speak with GM Legal Department. XXXX XXXX is grateful for any assistance the Consumer Financial Protection Bureau can provide, as her family and she continue to seek legal representation for she feels her rights as a consumer has been violated.
XXXX XXXX has paid the following towards her XX/XX/XXXX XXXX {$10000.00} [ Down Payment ] ; {$28000.00} [ Financed through GM Financial ] ; {$9900.00} [ Amount to pay-off in full ], prior to repossession.
|
| 05/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
XX/XX/XXXX we purchased XXXX XXXX XXXX ( used ). GM Financial was the lender.
XX/XX/XXXX Due to medical illness in the family, we returned the car to GM.
XX/XX/XXXX After several telephone conversations, we received a letter from GM offering a settlement of {$3900.00} with monthly payments of {$330.00} a month until paid XX/XX/XXXX. We believe that we made these payments thru XXXX XXXX as they requested.
XX/XX/XXXX we received an email from XXXX XXXX XXXX XXXX stating our payment schedule was completed and the account was disabled.
XX/XX/XXXX we pulled our credit report and was surprised that GM Financial still reporting that we owed {$3900.00} and it was a charge off. We disputed this with the bureaus and they reported back that this amount was correct per GM Financial.
After receiving the reports from the credit bureaus, I did contact GM Financial, they stated that we still owed the balance, but offered another settlement for {$1500.00}. I requested a copy of my account to see the transactions that they posted. No paperwork was ever received by us. We have lived at the same address since XX/XX/XXXX, where they picked up the auto. We also have the same phone number XX/XX/XXXX contacted XXXX XXXX, XXXX of Washington to assist us with this matter to get it resolved. She directed us to contact GM Financial and request again for our activity on our account.
XX/XX/XXXX We are disgusted with GM Financial and have started to keep notes on our calls. On this date I was on the phone with them for 1.5 hours being transferred back and forth between Loss recovery and Customer Service. They finally asked me to call back the next day, as they could not find or give me any information.
XX/XX/XXXX I called GM Financial back. I was informed that I had not made my payments as agreed. Requested copies again of my payment record. Was told that they would be sent to me within 2 weeks. They offered me a settlement of {$1800.00} this time. Seeing as I know I made payments, I stated I first needed copy of my record.
XX/XX/XXXX Nothing has been received from GM.Called GM, they stated that they would re-order the payment record to be sent to me by mail.. Again, I would be 2 weeks. My mailing address was confirmed with them. I was also informed that the {$1800.00} settlement was only good for 24 hours on XX/XX/XXXX.
XX/XX/XXXX Called GM as no paperwork has been received, GM stated it would go out XX/XX/XXXX.
XX/XX/XXXX Called GM as no mail has been received from GM. They stated they would fax and I should receive within 48 hours.
XX/XX/XXXX Called GM as no fax or mail has been received. Was informed that our file was sent to XXXX XXXX XX/XX/XXXX. I was given a contact number for XXXX XXXX and they could not locate any account for me. Called GM back once again and they stated they would call XXXX XXXX and call me back within 24 hours with the needed information.. As of today. XX/XX/XXXX I have not received any phone call, mail or fax.
We are so frustrated as we want to clear our credit so we can purchase a home. This credit score also affects us in other financial items.
We appreciate any assistance that you can obtain for us.
|
| 10/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
GM financial requested to repossess my vehicle on XX/XX/18 on or around XXXX XXXX. I contacted them shortly at XXXX XXXX and they provided a payoff of XXXX which included repo fees and delinquent payments. I gathered the funds ( from taking out a loan through my bank ) and attempted to contact GM after XXXX. At this point they are closed, as is the impound yard where my vehicle is stored. Monday, I took care of 1. Payment via XXXX XXXX for XXXX plus XXXX fee, 2. provided proof of insurance, 3. obtain release from police department, and waited the 3 hours for them to contact me. ( XXXX ) I contacted GM financial to follow up around XXXX XXXX. I was advised that they can not release the vehicle until I make an additional payment of XXXX which was due by XXXX XXXX. Technically I still had time to make that payment. I advised that i would make the payment in a few days since I completely drained my account to get my vehicle out of impound/repo. XXXX would not assist at all. She stated that I would be able to get my vehicle out once I made the additional payment-which was never advised to me after talking to over 6 representatives throughout the day. She then proceeded to tell me that the vehicle wouldnt be ready that day even though I satisfied every single task they asked of me at XXXX XXXX. She called me at XXXX and told me the release was complete and sent, leaving me 8 minutes to get to the impound yard. I contacted XXXX XXXX XXXX and XXXX XXXX who both confirmed they didnt receive anything from GM financial. It is now XX/XX/XXXX, I contacted XXXX And Lenders Recovery, they received the release email this morning at XXXX XXXX but no release attachment from GM Financial, so again, my vehicle is still in impound. They sent an additional release with the correct form at XXXX XXXX. I contacted lenders to set up an appointment time to pick up my vehicle at XXXX today. While waiting, the representative at XXXX XXXX states, she got a phone call ( after making an appt with me ) from XXXX staying not to release the vehicle again because GM financial put another hold on the process. Needless to say, this has been a complete hassle. I believe that they purposely took my vehicle on a Friday after XXXX XXXX because they knew I could not get everything taken care of within an hour time frame from when I called and the impound company closing. I was without a vehicle for 5 days. They also maliciously waited to tell me of this additional payment until XXXX when I initiated the call because they knew the process would take 3 hours to complete, again leaving me without a vehicle with XXXX babies. I fulfilled every requirement first thing Monday morning and still have no vehicle as of XXXX XXXX PST.
In addition to this complaint they have also harassed me by contacting me over 5 times a day. They have even called as early as XXXX PST which violates the FDCPA.
I believe that this entire ordeal from XX/XX/XXXX-XX/XX/XXXX was completely deceptive, causing a major inconvenience in my personal and business life. I made every effort to rectify the problem ASAP, however I felt that GM financial made the process extremely difficult.
|
| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I turned in my lease vehicle in XXXX, XXXX XXXX XXXX. I leased another brand new one as I do every 2 to 3 years for the last 25 years. I received a bill on XX/XX/2019 for Mileage overage and also a small dent XXXX, no big deal as the dealer gave us a XXXX mileage overage and a XXXX damage waiver. I called on XX/XX/XXXX and spoke with a lady in the billing dept, and asked if this is what we owed, she said we will send out a final bill because she was not certain that both Vouchers were on there. Again no big deal because we knew we had a final bill coming. I guess I should of called again but in the past when the send the cars to auction they would send a final letter stating the vehicle was sold and all obligations were met. Well not this time. We went down to refinance our home and found out that GM Financial had put a mark on our credit and was in recovery.. Really? How come no final bill sent I asked when I called them? they said they sent it, I said we never received it.. I asked why did you not send another one? she had no answer and said it was my responsibility to take care of .. I asked why did you not call us? she said we did. I said I had not had a call. she said we called twice .. well I have a answering machine and there was no messages, she said the first time they left no message, the 2nd time a man answered. I said that would have been me, I said what did you say, she said we asked for XXXX, I asked what else was said, she the man said she was at work .. I said ok? did you say where you were from or what it was about? she said no .. Again realize how many phone solicitation calls we all get in a day.. I said all you had to do was say this is so and so from Gm financial and we need to speak with her. It would have been handled right away, I would have called my wife and told her to call them Or better yet send a final bill saying that we need to get final payment.. After all of that I asked what the final bill was and paid it over the phone. Now my wife 's credit went from XXXX down to under 700 and I could not put her on the new home loan. So after leasing and buying brand new cars from GM for 25 years and mind you it is roughly 24 brand new Vehicles. My wife and I are both XXXX years old and have always had perfect credit and have prided our selves on that fact, Both of us have never had a mark on our credit for over 25 years. We called the dealer and they called them, I have called GM financial and spoke with them 4 times. So now after 24 brand new cars and 12 aunts, uncle, Both Moms, Both Dads, Grand parents working for GM their whole lives, we now have told all them what happened and they agree never to purchase GM again.. Pretty sad this all could have been prevented with a call saying we need to speak with XXXX about a bill, or just sent us a final bill, or even for that matter send a bill stating final notice like almost ever company does ... Look at GM financial reviews!! Hey GM you obviously have a issue with your billing dept!!! Also we will be getting with the Credit Bureau as well, hopefully they will be able to help, if they look at her credit it is as good as can possibly be ..
|
| 09/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have two leases through GM Financial ; which both are linked to my account. My XXXX has a {$460.00} payment and my XXXX has a {$390.00} payment. Approximately 10 months ago, I was contacted by GM Financial that my XXXX was past due. This was impossible because the money had been debited from my credit union checking account. Problem was GM Financial was applying my XXXX payment to my XXXX, so my XXXX had a two payment of {$460.00} paid ahead. The gentleman I was talking to told me he could see the problem, and that I 'd be assured he would reapply the payments correctly and would " fix '' the auto payment transfer. He did reapply correctly, but did n't fix the transfer as promised.
At this point, I thought I was good to go. Not yet, a few months later I get a call that I 'm past due again. I tell the GM Financial representative that this whole situation should have been resolved. Well, I had to explain the whole situation again ; which they redirected the payments for the second time. The representative told me that my account will transfer as it 's suppose to and I was n't charged any late fees and was promised my credit was good.
For the third and final time, I receive a call a few months later that my XXXX is past due. These guys did n't correct my transfer as promised, and my XXXX payments were being applied to my XXXX again. I explained the situation for the third time, and they assured me that everything was fixed and that my credit would n't be affected. Because it was the third time, I told the gentleman that GM Financial staff had lost my confidence and that I wanted to cancel all of my automatic transfers and I would send a check each month - which is inconvenient in today 's modern world. However, this representative was confident and he told me that this will not affect my credit report because he would make sure of it.
Low and behold, GM Financial marked me 30 days past due on my credit bureau. I have credit bureau monitoring through my credit union - where I 've been a member since XX/XX/XXXX. I 'm attaching my credit bureau for review. I 've been in the bureau since XX/XX/XXXX, the year I graduated from High School. Out of approximately 50 loans, I have never been late on one loan - until GM Financial. My credit score dropped from over XXXX to XXXX because of this.
The score is n't a big deal with me, what is a big deal, is that all future loan applications, finance companies and my credit union will think I 'm having financial troubles and that I pay late ; resulting in them charging me a higher interest rate and not trusting me. I 'm XXXX years old, a husband of XXXX years, a father of XXXX young children, a XXXX of a medium size organization, and have fallen victim to a large corporate entity where my voice is not being heard of.
At this point, what do I do? The representatives are incompetent. My only two retaliations are to file this complaint to see if this will work in them reporting me on-time for that payment ; and not purchasing another GM product. I feel GM Financial may have done this to drop my score so they can charge me higher interest rates for future leases and purchases.
|
| 12/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIMS. This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. LATE PAYMENTS MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted. Therefore, if you are unable to provide me with a copy of the verifiable and irrefutable proof that you have on file for every one even each any and or all of the adverse accounts listed below NO LATER than 30 days of receipt of this complaint challenging your compliance to true accurate and complete timely reporting then you must remove any and all of these accounts of chicanery leading to these unjust and unlawful accusations of subterfuge from my credit report. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR LATEMENTS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION.
|
| 04/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
XX/XX/XXXX, XXXX XXXX XXXX sold to my ex-husband, who is not a US citizen, from XXXX XXXX XXXX XXXX XXXX after denying to sell me a new XXXX XXXX. I was denied due to insufficient credit and low income. I was told that i did not make enough money to afford the car payments. I was adamant that i did not want the XXXX, as it had a low depreciation value and not what i wanted. i was informed by the dealership that, even though we were not married at the time, i had to sign the paperwork to ensure that i could contact the finance company if there were any issues with the car loan, as my ex husband was not a citizen and he had to go out of the country to visit family, etc. I did not question this as i had done it before, numerous times, with my previous husband, who was a servicemember. My ex husband made over $ XXXX. I made $ XXXX and had 3 children and 1 grandchild i was responsible for.
XXXX, XXXX my ex husband lost his job, leaving the responsibility of the {$620.00} car payment squarely on me.
XXXX XXXXGM Financial started calling me in regards to the late/missing car payments. i started asking them why they were calling me and not my ex husband, as he was owner of the vehicle. Their response to me was that they could not reach him and that's why they were contacting me. From there, i paid what i could, as, again, at that point, im now supporting a family of 6, on a salary of $ XXXX, and paying rent in 2 different states, for a vehicle that i NEVER wanted, stated i did not want, and never knew that i had signed into a binding agreement for.
XXXX, XXXX, GM Financial calls me and asked me what my intentions were for the car. i stated that i was going to sell the car. By then, the car payments were almost 2 months behind and i was living in OH. That night, with no warning, GM had the car repossessed. The next morning, when i noticed the car gone, i called the police and reported it stolen. The police contacted me back and told me that it had in fact been repossessed. As soon as i informed GM my intentions for the car, they repossessed it. .When i called them to inquire why didn't they allow me to turn the car in when i asked months prior, they stated that i could get the car back if i paid what i was overdue, plus the repossession fees. i declined. i received a letter almost a month or so later, informing me of an auction, and what i could do to stop the auction. i did nothing to stop the auction.
During this time, my ex husband received no notifications/calls from GM Financial in regards to this. i believe GM did not bother reaching out to him in regards to this debt and saddled me with it because he was not a US Citizen. i also believe both GM and the dealership conspired against me to make this sell, due to this same reason, even though the dealership had already admitted to my not being able to afford a car payment of over {$500.00} due to my credit and familial obligations.
When GM first reported this debt on my credit report after the repossession, they reported it with a balance of {$0.00}. In late XXXX, they changed that balance to {$13000.00}, after i purchased another vehicle.
|
| 10/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased a new vehicle from XXXX/General Motors in XXXX. The vehicle lease agreement was issued by GM Financial and was for a three year term that ended in XX/XX/XXXX. During the course of the lease, I made all payments on time as billed to me by GM. This included a period of approximately 3-4 months about 12 months after lease origination when GM incorrectly billed me less than what was contractually owed. When GM caught its billing error, GM billed me a one time catchup that was nearly 4x the standard monthly payment. I paid that bill as presented and on time.
As the lease term neared expiration, I contacted both GM and the original selling dealership to arrange a vehicle pre-return inspection. Both the dealer and GM refused to provide this service.
I consequently had the vehicle inspected by a third party mechanic who documented no defects or excess wear of any kind. Pictures of the vehicle along with my inspection report are available.
I returned the vehicle to my selling dealer on time and after having made all regularly scheduled payments due under my lease agreement. A complete payment history is available as all payments were made electronically through my bank.
The dealer informed me at vehicle return that I should expect a bill from GM for the contracted lease return fee together with any other wear and tear fees GM may assess. Given the vehicle was returned in excellent condition as verified by my inspection and with less than the agreed 30,000 leased miles, I expected to pay no more than the contracted {$400.00} lease return fee.
Instead, approximately 30 days after the vehicle was returned, GM sent me a bill for nearly {$1100.00}. There was no detailed itemization beyond vague descriptions like wear and tear and lease end taxes.
Additionally, during the lease return process, I became aware that, during the prior episode of incorrect billing by GM, GM made late payment reports to credit agencies when I paid the amounts billed by GM. Furthermore, when I reviewed my lease contract just prior to lease end, I realized that GM had consistently over billed me during the entire course of my lease.
In response to GMs incorrect and potentially fraudulent lease end bill, I wrote GM a letter outlining my position as stated here. I objected to all fees except the agreed lease termination fee as these were being assessed outside of the agreed lease contract. I also objected to the wear and tear claim based on my third party inspection results.
Finally, I made GM aware of their over billing during the lease term and made demand for the amounts I had overpaid. I mailed my letter to GM at the address on the bill along with a check for the contracted {$400.00} lease return fee.
GM cashed my check, but never responded to my letter.
Instead, I found out just recently that GM charged off the balance of their incorrect and possibly fraudulent bill and reported this charge off to the credit reporting agencies. This resulted in over 100 points of damage to my otherwise 820+ credit score.
I have included a copy of the letter I sent to GM in XX/XX/XXXX with this complaint.
|
| 12/19/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I'm not going away! I'm filing a complaint with the state AGs office and directly to the CEO and President of GM. All GM has to do is step 1 ... prove that they sent the required notice of intent to take possession of the vehicle and that it was sent overnight with a signature requested. They can't do that because they never notified me! They can't do that because they didn't follow UCC regulations! They can't do that because they are sending form letters about ID theft and repeat requests. Well, I wouldn't have to do a repeat request if GM wasn't selective in what documents they want to provide.
The first letter said " based on the information you provided ... this may be ID theft. '' I asked for debt validation - STALL TACTIC! The next three letters said, " no specific item was requested for validation ''. Well, I sent a whole list!
What is nonspecific about : Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.
Auto Purchase Plan Agreement Credit Application ( to corroborate the identity of the alleged debtor ) Sale Invoice ( to corroborate claim amount of alleged debt ) Vehicle Invoice ( to corroborate consistency of claim amount of alleged debt ) Retail Certificate of Sale ( to corroborate parity between sale amount and claim amount ) Payment History providing evidence of payments including last payment date and Charge-off Date ( to corroborate actual debt owed net any payments ) Vehicle Title XXXX Letter Repossession Assignment ( initial ) Any subsequent Repossession Assignments Repossession reassigns Account Profile/Repossession Approval Repo Check Sheet Notification Letter to Report Derogatory Status to Credit Bureaus Notice of Repossession/Right to Redeem with any additional fees ( e.g. Recovery fee ) to reflect Legal requirement to notify me personally, or by registered or certified mail at my last-known address, within 24 hours of such repossession.
Notice of Plan to Sell Property at a Private Sale ( Notifying me of the time and place of a public sale and/or of the time after which a private sale has taken place ).
Letter of Private Sale ( Disclosing Purchase price of buyer ) Total Loss Protection Assurance ( Covers the loss of the entire car minus any payment obligations until submission of claim ) Post-repossession assigns/assignments/assignment agreements Debtor Notification of Assignment pursuant to Bill of Sale for the sale of any chattel paper or payment intangibles relative to the debt This is total XXXX! They didn't follow the law and CFPB its time for you hold them accountable!!
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| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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XXXX lease had system errors in XX/XX/XXXX and XX/XX/XXXX causing statement to be incorrect due to credits to customers accounts that never occurred. So XX/XX/XXXX and XX/XX/XXXX statements were asking for incorrect payment amounts, lower than actual payment. We were unaware of this and made on time payments based on the statements received. In XX/XX/XXXX, XXXX contacted me via phone asking for payments on the delinquent balance. I asked my wife at same time and she confirmed all payments have been made via online banking. XXXX asked for proof so we sent them proof of payments for payments made since XX/XX/XXXX. I sent them the proof within a few hours and did not hear back from them until a few weeks later and again they were asking me for delinquent payments. I told them I sent in requested documentation that established this. They stated it wasnt good enough proof and wanted certified copies. Took a month or so for them to accept and actually find the money we paid because the money we were paying during those months were not being credited to our account. Also, they now admitted there was a system error and finally came clean about it as that was the first we time we had heard of it. We finally understood the situation and paid the remaining balance for the " partial '' payments in XX/XX/XXXX and XX/XX/XXXX. XXXX incorrectly reported to my credit that two payments were late and later extended that to four months. No late fees EVER charged as they admitted their error and they were reporting late payments when there was clearly a dispute occurring as we felt we made the payments based on what XXXX sent us. In every statement to that point there was never any induction that any money was owed, no late payments showing and under the section of " Past due '' the amount was always sowing ZERO. We had no indication that something was wrong and even during the process of having XXXX explain to us, they were not forthcoming with the information initially. I also asked XXXX of the supervisors early in the process about having this effect my credit and he stated it wouldn't because this was a system glitch on their end and they are taking care of it. Have tried multiple time for them to report correctly and they refuse. I get multiple different stores that they will fix and then they refuse to remove. Multiple times I have talked to XXXX and on the recorded phone lie one manager states its an easy removal because it was their error and I will receive a letter stating that but one never arrives. I call back and find out they have denied and the reporting will stand. This has caused me to lose my refinance on my home. I have explained to them its being reported in error as there was a system failure on their part, which they have always agreed occurred, but wont budge. I ask them if my payment was late why were no late charges incurred and they have no answer. One of the supervisors I spoke with told me no late charges would be filed because of their error. I just get the runaround and never the same answer and they never do what they say they will like send me communication.
|
| 05/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX, GM Financial repossess a truck that was paid in full. GM Financial is currently in violation of 31 USC 5118 as they are trying to attach a " Gold Clause '' to a note. I was extorted for over {$2600.00} just to get my truck back which is already paid in full. I sent them the legal notice below and have yet to hear back from them.
GM Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : Chief Accountable Public Officer Via Fax : XXXX RE : Notice of Billing Error per 15 USC 1666 To the Honorable Chief Accountable Public Officer, Greetings : Trustee/Attorney is aware under provisions set forth at 31 USC 5118 ( d ) ( 2 ) as of XX/XX/1977 there is no legal tender only notes. Notes can not contain a gold clause, as evidenced by your demand for tender of Payment a specific specie of United States money or currency. Said claim is in violation of 31 USC 5118, the text of which shall be recognized by GM Financial as legal evidence of the laws of the United States general and permanent in nature set forth, and evidences GM Financials violation of the Act of State doctrine and extortion. Trustee/Attorney believes that all statements received from GM Financial within the last sixty ( 60 ) days with regard to your attempts to collect a debt ; contain the following billing errors : 1. Statements reflect an extension of credit which was not made to the obligor by GM Financial ( 15 USC 1666 ( b ) ( 1 ) ).
2. Statements fail to reflect credit issued to obligor by signature and delivery of Unconditional Promissory Note, charged to Trusts accepted Treasury credit card by GM Financial in substitution thereof per 15 USC 1642.
3. Statements fail to reflect proper payment made to GM Financial by obligors financial institution ( 15 USC 1666 ( b ) ( 4 ) ).
This notice is based upon the attached documentary evidence.
Trustee/Attorney requests following documentary evidence to support GM Financials claims that You extended credit to obligor, and that any presumed assignment of future payment rights to GM Financial under any power of attorney, whether express or implied is not void.
It Is So Ordered. It Is So Ordered. It Is So Ordered.
/s/, Trustee By : __________________________, Attorney/Heir In fidelity.
Date Signed : __________________ ************************************************************************************************************************ DELIVERY VERIFICATION In the presence of myself and the Father, who sent me ; hereby verify that on : _______________ We, as nobody deliver via First Class United States Mail, personal service, and, or electronic service, the foregoing documents to the Church in XXXX in accord with the Fathers Will at : Acts 5 : 29 and Revelations 3:7-13 AKJV 1611 ; for execution by His Angel : Addressees : GM Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : Chief Accountable Public Officer Via Fax : XXXX GM Financial has also received this same notice via USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX Please assist as GM Financial is currently extorting me for a loan that has been paid off.
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I leased a brand new XXXX XXXX from XXXX XXXX in XX/XX/XXXX. After ( 3 ) times in the repair center at XXXX, they determined that a new module needed to be installed. This required the engine to be taken apart. The vehicle only had 74 miles on it at the time. I refused to take that vehicle back, and demanded my XXXX down payment back or a new vehicle. XXXX gave me a new XXXX XXXX with only 5 miles on it.
I have paid my new current XXXX up until XX/XX/XXXX. Yet, ( 2 ) weeks ago I received an alert that GM Financial had obtained my credit. They pulled a hard pull. This dropped my score ( 8 ) points. They had no authority or reason to pull a hard inquiry on my credit report. Not too much longer later in the day, I find out that there was a mix up with the paperwork between XXXX and GM Financial and GM Financial was demanding that a new credit report be pulled for the XXXX XXXX XXXX, even though I have had it for ( 4 ) months and GM Financial has ACCEPTED payments on said account up until XX/XX/XXXX.
Then, Tuesday XX/XX/XXXX, I get a call from GM Financial stating that I am 90 days past due. I informed the CSR that I absolutely WAS NOT 90 days past due. And in fact I was PAID IN FULL AND AHEAD until XXXX. I also informed the CSR that I have PERFECT credit, and under no circumstances should I see ANY delinquency reported to my credit reports. I then had my wife call XXXX and XXXX at XXXX XXXX and inform them of the situation. Once again this is NOT a situation that is my doing. It is either the ineptness of GM Financial, or the ineptness of XXXX XXXX. Regardless, it is not my fault.
Then today, XX/XX/XXXX, I get an alert from XXXX that GM Financial has reported me as 90 DAYS PAST DUE to the credit reporting agencies. That has taken my score from a XXXX to a XXXX. I AM NOT past due with GM Financial. I did not even have the first XXXX XXXX for more than ( 12 ) days and no more than 74 miles, before we discovered that GM sold us a lemon. As stated above, that vehicle was SWAPPED OUT for a new one, and NEW paperwork was submitted to GM Financial.
I am in the MIDDLE of refinancing my house. A credit report will be pulled prior to the closing NEXT WEEK., And if my scores are reporting this INACCURATE, FRAUDULENT, NEGATIVE Tradeline by GM Financial , and I am UNABLE to refinance my house, then I will have ACTUAL damages UNDER THE FCRA, and will have standing per SCOTUS in Spokeo XXXX
I called GM Financial tonight, XX/XX/XXXX and the CSR, while attempting to be helpful, informed me that it is the responsibility of the Credit Reporting Agencies to address the inaccurate information, and that I would have to wait for up to 45 days. That is completely inaccurate, and a PERSON has to verify the disputes through an XXXX, and send updates through XXXXr. Yet, IU got no where with the CSR.
GM Financial, and/or XXXX XXXX need to fix their XXXX ups and need to fix it NOW. They have NO ISSUES taking my money! If I didn't pay my lease, they would take my car without any issues. But now, at no fault of my own, and at the fault of 3rd parties as listed, I AM PAYING THE PRICE.
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| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and XXXX.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 03/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
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|
Web |
Older American |
|
My wife and I are XXXX. We are retired and live on Social Security and XXXX small retirement accounts I have. We had a XXXX XXXX XXXX that quit on us and the repairs were going to be close to {$3000.00}. There was no way we could do that so we started looking for a good used car. I had been on the internet looking at several dealers but had not contacted any of them yet. That afternoon a salesman from XXXX XXXX XXXX in XXXX, Texas by the name of XXXX XXXX called to tell me he had just gotten in trade a XXXX XXXX XXXX that was really clean. I told him we had no way to get to XXXX ( about a XXXX mile drive from our house in XXXX, Texas ). He said no problem, they would bring it down to us, leave it with us, and we XXXX XXXX it back up there. We did so and the car was quite nice. We ended up buying it but the next day started having problems with it. All of the lights would flicker up and down in intensity and the transmission would ( when taking off from a stop in drive ) have a loud grinding them a loud bang before accelerating. I took the car back to XXXX and the sales manager said he would have it checked out and call me with the cost. I told him to not call me, I had no more money I could put into the car. If he could n't get it fixed, I would either leave it on his lot or take it to XXXX XXXX who held the note on it. After arguing for a short while, he said they would fix it. They eventually got the electrical problem fixed but could not get the transmission working properly. They had the car for 3 of the first 5 weeks we owned it. I eventually took it back to them and said that if we continued to drive it the way it was we would probably have to replace the transmission in a year or so. My wife and I were afraid to continue to drive it. They said they would see what they could do about getting us into a XXXX XXXX XXXX they had. They called me later that evening and said they were working on a deal for the XXXX or a new XXXX XXXX XXXX. We went to XXXX the next day land the Salesman told us they could n't do the used XXXX but they had gotten a deal on the XXXX XXXX done with GM Financial. Our payment increased and our insurance went up. We did n't really like the XXXX but were told by the salesman that " That 's it ''. When I asked what did that mean, he slumped over to one side in his chair and said " That 's it. That is all we can do ''. The Sales Manager would n't even talk to us. I have inquired twice on line about used cars they have and the salesman finally called and when I asked if there was anything they could do he said no. Now they wo n't even respond to me. My wife and I both feel as though we were forced to take the XXXX XXXX. It does n't fit us. When we are in the car, we are constantly knocking elbows due to the cramped conditions. My wife has XXXX XXXX and ca n't walk for any distance because of XXXX. We have gotten a XXXX for her but can barely fit the XXXX into the car. I would like to get out of the XXXX and into a used sedan XX/XX/XXXX to XX/XX/XXXX. I ca n't do anything with the XXXX due to the negative equite we now have on it.
|
| 07/03/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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GM Financial has committed Willful and Negligent violations as per the Fair Credit Reporting Act. ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ) As ofXX/XX/XXXX 2017, XXXX, XXXX and XXXX has this account currently at " 60 days late ''. As of XX/XX/XXXX, 2017, it had be reporting a " current 30 days late ''.
I spoke by conversation on XX/XX/XXXX, 2017 with XXXX at extension XXXX at approximately XXXX Central Time as it was on a recorded line. She advised my account had never been 30 days late nor 60 days late. She furthermore confirmed the most the account has ever been late, do to an erroneous automatic payment which never processed was 25 days. She was direct at first and " did n't care '' what any credit report stated as she stated the account has " never been late '' in its entire history. Additional verification both of my personal checking account and XXXX 's account history confirmed this account has never been late 30 days at any points in its history.
I asked if I could speak to a supervisor or speak to the credit department directly and I was advised the supervisor would state the same and I was allowed to speak to the credit department rather she would send them an internal email.
Since these erroneous trade-lines are currently on my credit report, my credit scores ( FICO SCORES ) have dropped from an average of XXXX to an average of XXXX This represents a risk factor to almost none existent risk to a huge risk. Additionally, since my creditors use monthly soft pull credit reports to monitor their own credit liabilities, I have had 2 creditors considerably drop my credit lines available with them which put me at a higher utilization rate so even when GM Financial corrects this violation, my credit score will still be significantly lower since my utilization will take a hit. Additionally, the only possibility these creditors raise limits where they once stood before these violations is to have them re-pull credit reports which constitutes a hard pull, thus an inquiry which does lower credit scores.
As of Today, XX/XX/XXXX, 2017, I am also sending a formal complaint to the FTC and the Attorney General in Texas so GM Financial stops their illegal tactics of committing both willful and negligent violations and stop financial harm to unsuspecting individuals.
If I did n't purchase a credit monitoring service, I would n't ever been alerted to these violations. I need this immediately corrected on my 3 credit bureaus and will be filing a lawsuit against GM Financial for statutory damages, actual damages for their willful violations while also suing for actual damages for their negligent violations.
Additionally, I am in the middle of refinancing my private residence and these violations completely have caused a massive financial problem due to the violations and continued negligence of GM Financial.
In addition to other Regulatory Agencies currently being notified, let this serve as an official warning to GM Financial.
Best Regards, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Pursuant to the expiration of XXXX XXXX XXXX XXXX GM Financial dated XX/XX/2020, we arranged to return the leased car prior to that date, returning it on XX/XX/2020. Due to our age and comorbidities, we requested ( as GMs normal procedure ) to have the car pre-inspected and picked up from our residence home prior to expiration of lease. No GM inspector was available and the car could not be picked up from our home, again due to Covid 19. Same advice was given by dealerships XXXX XXXX and XXXX XXXX XXXX XXXX CA. We were told to bring the car to the dealer closest to us, ( i.e., XXXX XXXX XXXX in XXXX XXXX CA ). There was no GM representative present at the dealership and the manager representative for the dealer, upon our request, had her representative staff inspect and look over the car in our presence, checked the odometer reading to ensure everything was in order ; car had XXXX miles per odometer on a 3-year allowed lease mileage of XXXX miles. The dealer reported to the manager who then issued to us Vehicle Return Receipt. Per the lease agreement a total disposal fee of {$590.00} is payable at lease end which we offered to pay but advised that GM Financial send a bill for it separately.
In a phone call with GM Financial, I was told that in addition to the disposal fee of {$590.00}, we are being billed for {$48.00} sales tax on the disposal fee, not indicated on the lease agreement, and an excess wear and tear scratch on the rim of the tire valued at {$85.00} plus tax. We paid the {$590.00} total disposal fee per the lease agreement, but disputed and contested the validity of the excess wear and tear charge and disposal sales tax, requesting for the evidence supporting the charges such as inspection photos or report of inspection done in our absence. I mentioned that because of GMs representative not available, we requested for inspection done by the dealership manager or representative. However, GM financial stated that the dealership we surrendered that car to, does not represent GM Financial. The XXXX XXXX underwent premium maintenance as warranted by the lease during the lease term as required and necessary.
After my payment of {$590.00}, I never received any more statement of account from GM, nor did I receive any advice on the disputed items.
I discovered sometime last month that the disputed items were erroneously reported by GM Financial as delinquent, resulting in my and my husbands credit scores to drop from the XXXX for many years, to the XXXX during this unfortunate Covid 19 period. The procedure I would have expected would be a denial of my dispute and further statements of account or delinquency notice, etc., to let me know GM demands payment prior to reporting disputed balance to any credit bureau. This practically ruined our financial ratings and integrity for further financial business transactions.
This is definitely an unfair consumer financing practice particularly of a large corporation as GM Financial Corporation.
We are still awaiting GMs supporting evidence of the disputed items as described above.
|
| 03/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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On XX/XX/XXXX I was called by a friend who ask me to co/sign on the auto loan referenced with the attached purchase contract. loan amount was {$42000.00} When I arrived at XXXX XXXX and met with the finance manager, I was asked for my drivers license. The finance manager saw that my drivers license and the now co/borrower had DIFFERANT addresses. We did not live together and were NOT MARRIED. ( See credit application attached ) The finance manager typed the credit application and asked both of us to sign it. Looking at the credit application now I see that the finance manager typed my address and the co/borrowers address as the same and that we were MARRIED. That was done along with XXXX ( GM FINANCIAL ) to fund the loan on the vehicle.
Per GM Financials guidelines ( see attached GM financial funding conditions attached ) to fund this loan, XXXX would require the following to fund this loan : 1. ALL APPICATIONS MUST PASS STANDARD IDENTITY VERIFICATION CHECKS. PAGE # 4 ATTACHED.
( GM FINANCIAL saw that the drivers licenses did not have the same address and the t guideline BELOW would apply ) 2.RESIDENCY : PREFER A MINIMUM OF ONE-YEAR VERIFIABLE RESIDENCE HISTORY.
3. IF REQUIRED, PROVIDE POR DOCUMENTATION ( UTILITY BILL WITHIN 30 DAYS AND/OR PAY STUB WITHIN 30 DAYS ) TO SUPPORT RESIDENCE ADDRESS.
# 3 Was required DUE TO DRIVERS LICENSES SHOWING DIFFERANT ADDRESSES. GM Financial did not ask for POR documentation and went against their funding guidelines knowing the Identity verification showed applicants did not reside together and addresses were different on drivers licenses.
I contacted GM Financial on XX/XX/XXXX. I Explained that the co/borrower had taken the car out of the county and was not making the payments. I also explained that they did not go by GM FINANCIAL guidelines when the loan was approved and funded. they instructed me to send them a documentation package to their legal department.
On XX/XX/XXXX I overnighted the package directly to GM Financial legal department. ( See attached receipt ) I was diligent and called GM Financial twice a week asking for status. Asking to speak to someone. Only being told it was in review and that the package was being transferred to the Fraud Department.
On XX/XX/XXXX I received a letter from GM Financial stating they could do nothing for me and that I would need to contact the dealership. ( See attached letter from GM Financial ) GM Financial has guidelines ( Requirements ) set to fund loans. Not only did GM financial ignore the photos ID 'S, They did not ask for ANY POR documents Proof of residency.
This loan was FUNDED by GM FINANCIAL and now the co/borrower has returned the car I have never been in possession of until now. I have been stuck with a fraudulent loan and car that I can not afford or want.
GM Financial will not acknowledge they ignored their guidelines to fund this loan. They will not take responsibility for funding a loan they knew required Proof of residency documentation based on the photo ID 'S provided by myself and the co/borrower.
|
| 03/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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On XXXX XXXX I signed a " promissory note '' to get a " loan '' from GM Financial. However was not disclosed full details of the consumer credit transaction and how the transaction would be fulfilled. In addition there was no consideration given for the promissory note that was recorded on the companys books. The vehicle was also repossessed which is illegal as the the property was not the companies to have re-possessed as it was never In their possession. We had to pay almost XXXX dollars I XXXX XXXX XXXX, natural person, living man and original creditor was not given full disclosure on the consumer credit transaction. GM FINANCIAL is not the original creditor and that is false and misleading per the FDCPA. GM Financial did not disclose their initial relationship with the dealership that would bring a natural person into commerce. GM FINANCIAL did not disclose that upon the consumer providing their social security number ( credit card ) per the Truth in Lending Act and subject to 18USC 8, by the cardholder ( XXXX XXXX XXXX ) that the consumer who is the ORIGINAL CREDITOR in the consumer credit transaction, credit would be used by the dealership and the financial institutions to obtain a Loan from the federal reserve bank ( 12 USC 1431 ) in the consumers name ( identity theft ) and returned as if anything of value was provided in consideration by GM FINANCIAL. I am requesting validation of debt per 15 USC 1692g. In addition GM FINANCIAL is a debt collector per 15 USC 1692a ( 6 ). Debt Collector has thirty ( 30 ) days to properly and timely verify and validate the alleged account and debt as follows : a. Present all original account/loan level documentation from the original transacting parties containing verified signatures from all original transacting parties verified under oath and penalty of perjury to support your claim of indebtedness. Also please PROVIDE per the Generally Accepted Accounting Principles ( GAAP ) an audit trail of the aforementioned account. Lastly, There are other questions below that I would like answered point for point on a sworn affidavit.
The first question is based on Federal Reserve Banking publications, by whom was the " loan '' funded I.e, who put an up ( asset ) to fund the loan and where did the funds ( I.e, cash, money, check ) come from?
Second, provide full bookkeeping entries for account # XXXX created XXXX XXXX be explained in detail? And based on banking principles when the " note '' was signed and deposited to " create the funds '' an asset and liability was created to " balance the books, does that constitute as an exchange and settlement for the goods received, I.e, XXXX XXXX vehicle?
Please also note That the giving a ( federal reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158.
That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.
|
| 05/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I called Friday and I spoke with their receptionist. She informed me that I can go anytime this weekend to return my car & that I didn't need an appt. When I arrived ( Sunday ), I was asked if I were going to buy a car with the lease return.They told me to come back Monday after I informed them I will not buy. Issue is that I'll not come back! Why should I when I am already there and I am ready to hand over the car? Besides, I had arranged a drive home and I needed to drop my car off that Sunday ( XX/XX/XXXX ). However, they would not give me proper release paperwork. I am going on vacation Tuesday & I need to hand back the car Sunday! Now I am stuck with a car and its insurance. I want GM to pay for my {$150.00} insurance and my monthly payment. This is my 2nd complaint against GM. They have been making me pay during the lockdown and now I can't even return their car. Here is what happened XX/XX/XXXX Sunday : The police was called in to help me ( XXXX XXXX in XXXX XXXX ) - the Sales Manager had my car without giving me any paperwork for my lease return. On Sunday, XX/XX/XXXX, I came in to return my car lease that I purchased from them. They told me I had to come back Monday. This isn't right bc I had already called a few days before and they said I can return this weekend! They took my keys, car, registration card without providing me the paperwork. Fishy! I asked them to at least handwrite a note and XXXX had an attitude, " I can but that won't do anything for you. '' Then they tell me that they can't provide the paperwork bc their system is down. My friend, who knew more about lease returns, told me they are required to give me proper lease return documents. He questioned how the finance system is " down '' yet they are still able to finance cars sold that day. I phoned GM financials right at that moment and the GM case manager said the dealership should be able give me the paperwork. Bottomline, I did not get the protocol service, they almost fooled me in letting me walk off their lot without any evidence that I dropped my car off. My friend was mad that they took the car without giving me the paperwork and he called the police. My friend was mad how they took advantage of me. On top of that, XXXX told the police that we are not allowed back to their dealership and he wanted me off their lot. I was waiting there while the police talked to him. Don't worry, we'll take out business elsewhere! Why can't we return the car on Sunday?! Why am I asked to come back the next day? Why didn't I get the proper paperwork? Is it because it goes against their sales goal for the day- corruption! or was that he was lazy? It wasn't professional nor ethical to let me drop off my car without giving me any paperwork. They led me to believe this is how it is done until my friend advised me otherwise. Now I am stuck another day of owning this car and this dealer ( XXXX ) has " banned '' us on their private property. Let me tell you, this dealer doesn't want to take back their own leased vehicle, disrespected us and shamed us.
|
| 04/15/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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On XX/XX/2015 I signed a 3 year lease with GM financial. I never had any problems and always paid on time. I never had a late payment reported in my credit report, I worked very hard to keep my credit in good standing. In the past few months GM financial had many issues with their online system. Multiple times in the last months of my lease I attempted to log into my account to see my lease end to date status and or payment balance along with pay off information but their system would be down in many different occasions. I would get a message that system was down for an unknown period of time. This was very frustrating. I called GM Financial to update my contact information and for some reason the agent failed to updated it. Only one side of GM financial had my correct phone number. On XX/XX/XXXX Of this year I accessed my account online to get my pay off information and last payment and end of lease details so that I could start the start the auto loan process with my bank since I had decided to buy my XXXX XXXX. Under the online payment process tab under the payments remaining it said one payment is remaining!!!. So I made that payment on XX/XX/XXXXassuming it was the last payment as it indicated online. In early XX/XX/XXXX I called to get my pay off balance since I could not access the account online ( their system was down again for days ) by this time I was already approved with my credit union to buy this car from GM Financial. I spoke to customer service and they transferred me to the payoff department. I spoke to the agent XXXX 4 times and she educated me with the pay off process, she provided me the pay off amount. I give this information to my bank and proceeded with the purchase of the car. At no point in my conversations with XXXX in the paynoff department or agents in customer service mentioned that My account was late and that there was one more payment remaining. No one ever said anything to me, I also didnt get any calls or letters from GM financial letting me know that there was another payment remaining and that my account was delinquent!!! Not until I asked an agent why is the account balance not matching and she said you have a 38 day late payment!!! Excuse me!? When did this happened!! I asked if it had been reported to the credit agencies and was told yes after spending a full hour on the phone. I immediately asked to dispute the late report and asked to speak to management but my request was denied. Every agent I talked to said sorry! I cant help you and said I cant file a complaint or do anything to resolve the issue. They said I have to dispute it directly with the credit bureaus!!!
I asked for your help!! I want this late to be removed-deleted from my credit report!! I never paid anything late and have no late reports on my credit!! This has been a really bad experience with GM Financial and I will do what it takes to clear this from my credit report! I am a responsable person and take good care of my credit history!!! Please help. You can call me at XXXX
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| 12/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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In XXXX of XXXX, I mistakenly traded my XXXX for a XXXX XXXX through XXXX XXXX in XXXX Illinois. I should have returned the vehicle and waited until they surrendered my keys to my car, but not knowing better, I stuck with the car feeling that the interest rate was already too high - and the payment, too. It was 17 % or so, but the real shoe dropped the following week : the dealership Fed exed to my work a change in the interest rate to 25 %. Since I could n't return the vehicle and was living on XXXX income and no child support as a single parent, I had to sign it. I was utterly alone because even those who were telling me to return the car were powerless to help me. I ended up paying for the car, and through a series of personal misfortunes, lost that job and the car ended up failing. Turns out the car was a time bomb : the engine was a design requiring the timing belt is changed before a certain mileage and it snapped breaking irreparably. The car was repossessed in XXXX. With a sticker price of {$13000.00} or so, the GM financial company claimed I still owed them just over {$6000.00}. They sold the car at auction for {$1000.00}, somehow I ended up owing them {$7500.00} even though they claimed that the amount was deducted from the loan! The truth was I 'd had to give them numerous late payments and deferments- with a late payment of {$120.00} a pop and numerous other " fees '' including rude and ruthless " customer service '' people, the company who held my loan, Americredit ( later dissolved bought by GM Financial, probably because they 'd taken so many people for a ride that they were being sued and no longer raking in the cash ) made sure that I was ALWAYS on the hotbed for repossession. They threatened, cajoled and I 'm pretty sure that this company had NO interest in the car I needed, rather they wanted that money- that was their goal and they made it clear they 'd take it every time I spoke to them. I found out later that this state Illinois has no limits to it 's loan sharking- other than recent limits to payday and title loans. This state tolerates usury- I was essentially forced to sign a contract against my will since I 'd asked for my car back before this whole thing unfolded! I think that car companies should HAVE to use banks. I am SO TIRED of hearing about the woes of the car companies : our Federal government bought it out to save it, but GM? They are threatening to SUE me! I have no money for them! I 'm XXXX, I have XXXX kids, I 've been working to get a degree ( with Fed backed loans, why ca n't anyone get a loan for a car with bad credit for a car, huh? People need cars! ) and I ca n't buy a home till this loan goes away. Our government is supposed to protect us from this kind of thing, yet it seems to spend more time protecting the companies and the wealthy people who own them. I 'd have to dig out the bills I purposely saved to send you which I could do at a later time, but I found this link and felt compelled to write my story. Thanks for listening.
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| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
Older American |
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Deceptive Advertising/Deceptive Sales Practices - On XX/XX/XXXX, I entered XXXX XXXX XXXX XXXX, VA to purchase the XXXX XXXX. XXXX, a division of General Motors ( GM ), was running a commercial ad for the XXXX XXXX with a lease payment of {$390.00} plus a down payment of {$3600.00}, taxes, and dealer 's fees. The same commercial ad stated the finance option was a .9 percent APR for 48 months. I was unaware of this commercial until the next day, XX/XX/XXXX. As a result, I signed a lease for {$740.00} for 48 months. I have excellent credit ( my score ranges between XXXX - XXXX ). I qualified for the promotion. It was not presented to me. On XX/XX/XXXX, I returned to XXXX XXXX and asked the finance director XXXX XXXX XXXX why he did not offer me the promotion. His response was, you must read the fine print, and it's a national ad. On XX/XX/XXXX, I wrote GM who referred me back to the XXXX General Sales Manager, XXXX XXXX XXXX. I asked XXXX XXXX why his sales and finance staff failed to mention the promotion for the XXXX XXXX. He responded that he had consulted with his regional manager, and they both agreed that XXXX does not have to honor XXXX 's promotion by telling me.
Desired resolution is to void the existing lease and allow me to purchase the XXXX XXXX at the advertised rate of .9 percent APR. This was the best finance option in XX/XX/XXXX. Also, refund the difference between $ XXXX {$390.00} for the period I made these payments.
XXXX XXXX did not offer a satisfactory resolution to my complaint. The options he presented were Option # 1- Return the car valued at {$36000.00} on XX/XX/XXXX and make a cash payment of approximately {$14000.00}. Option # 2- Or purchase the car in full, the XX/XX/XXXX payoff is {$49000.00} In XX/XX/XXXX, GM Financial increased my payment by {$51.00} for FL sales taxes. The new payment was {$790.00}. I called in XXXX, and the representative stated it is sales tax. After sending my XX/XX/XXXX letter to GM the {$51.00} sales tax was removed from my monthly payment. If I had not questioned this tax, I would still be responsible for the increased amount. Once the Truth-in-Lending disclosure is completed, can a finance company change the monthly payment? GM Financial does not provide an amortization schedule of how payments are applied, so it's difficult to know if the monthly payments are applied correctly. On XX/XX/XXXX, I was given a payoff balance of {$53000.00} after making 6 on-time payments and a down payment of {$1700.00}. The original price was {$53000.00} in XX/XX/XXXX. I have been given subsequent payoffs, but I do not trust GM Financial 's computation after they carelessly increased my monthly payment by {$51.00}.
How many other customers have been affected by GM Financial 's coding or some other error, and customers are responsible for making an increased monthly payment? I believe there may be a widespread problem that needs investigation to ensure other Americans are not paying too much for their leased vehicles.
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| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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During this time for COVID-19 many people have been affected with losing their jobs, insurance and their lives. I have been fortunate enough to remain afloat amidst the pandemic and be able to pay my funds although, I too, have been severely affected by the crisis. GM Financial, my lender for my 2019 XXXX contacted me and asked if I was affected during this time, and I stated to them " YES ''. They also asked me if I was home and not working. I stated " YES ''. I let the representative know that I was trying to file unemployment and awaiting my income tax return ( which I have not received still ) and the stimulus payment- of which I could send in XXXX payment. A GM representative stated to me that no late fees, penalties, or credit reporting during this time would be sent to credit bureaus because of the pandemic issue, they understood and for me to call them whenever I received the stimulus payment of XXXX. Upon receiving my stimulus check, I paid {$1000.00} to GM, which covered XXXX and XXXX 's car payment. I also sent a {$500.00} payment thereafter which would cover XXXX. The car payment is only $ XXXX monthly and due on the XXXX of each month. I received several credit notifications indicating my credit score and points had dropped. Upon further review, I looked at the notifications and it was due to GM reporting to XXXX ( and the other Bureau 's ) that my payments were late and not paid on time. I was livid when I saw this information and I called GM. I spoke with a representation who told me, the system automatically sends out this information and due to COVID-19 they would be sending a letter to all the reporting agencies to rescind and remove the late notices. However, they told me no reporting to the agencies would occur in the first place. I asked the representative when this would occur and she said they were sending out the letters at the beginning of this month- which THEY HAVE NOT, and now I have 3-4 late payments on my credit report that should NOT be there. I have disputed this information with XXXX, XXXX and XXXX and to no avail it is still there, along with other items I have disputed and now I can no longer dispute them because when I try it reads this item has been recently disputed. This is erroneous credit reporting, GM lied and should be held accountable for their actions, false statements to consumers especially at a time like this.
Secondly, I would like XXXX, XXXX & XXXX to be contacted regarding the repeated disputes I have made on my credit report that they have failed to correct and enable me to dispute them and they ACCURATELY take care of those issues- specifically removing them. Those disputes are for accounts I DO NOT OWE : XXXX XXXX {$400.00}, XXXX XXXX ( The Bureau 's ) {$1200.00} & XXXX ( XXXX XXXX XXXX ) which reports I have 1 late payment which is not true and of course GM Financial which is reporting 3 late payments. These companies should be held accountable for their actions, especially at a time like this.
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| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$0.00},. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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| 08/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a new XXXX XXXX XXXX in XXXX with a down payment of {$15000.00} & a XXXX XXXX with a {$7000.00} down payment on XX/XX/XXXX I learned from the VP OF GM FINANCIAL that they had made a business decision not to do business with me any more and they either 1 needed their collateral back 2. needed a payment in full 3. I could let them repo the vehicle and id have ten days to pay off or they where going to court in front of a judge to force me to turn in the truck and the only payment options we had where in cash at a XXXX XXXX or certified check & the account had a payoff of {$64000.00} for the XXXX and {$42000.00} for the XXXX The purchase price for the XXXX was {$60000.00} and {$40000.00} for the XXXX ON XX/XX/XXXX I made 2 payments I paid what the print out of the payment said ( see attached ) 1 payment in the amount of {$5000.00} and another for {$270.00} for the XXXX and {$3200.00} for the XXXX they received the funds that same day I called on XX/XX/XXXX and asked why was my balance still {$64000.00} & {$42000.00} when my account balance was {$60000.00}. &. {$40000.00} and I had just paid almost XXXX between both accounts they did not want to explain or couldn't explain why so I went to the XXXX dealer and the finance manager was more confused then myself. I called XXXX XXXX which is the only person that can give me any information about my accounts according to CS at GM FINANCIAL and she tells me that the payments where rejected and id have to contact XXXX XXXX to recover my funds and the accounts needed to be paid in full so I tell her ok no problem I called a credit union which approved me and half way thru the process they inform me of a situation that was preventing them from completing the refi and that id need to call FL DMV. FL DMV explain to me that there was a stop placed on my vehicle 's TITLE and that id need to call GM. GM explained that they placed a freeze on the title until it was paid off I explained to them I was trying to pay them off I was doing a refi thru my local Credit Union and that with a title stop they where unable to complete the refi they refused to help me and explained that they where not going to allow me to refi or pay off the account and that the only option I had at this point was giving them my address so that they could recover their vehicles this was on XX/XX/XXXX I called XXXX XXXX to recover the 3 payments that had not been applied to my accounts and rejected according to GM Financial XXXX XXXX explained that they where not rejected and that they would have to email GM to get a refund for me to contact them in 24 to 48 hours so I called 48 hours later GM replied that the payments where applied to the accounts no refund. so I have no refund the 3 payments I made where rejected and not applied to my account but they were not refunded to XXXX XXXX or to myself and they will not remove the title stop so I can't refinance although already approved with new bank ready to take over and ay them in full
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| 11/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX, I took my daughter to purchase a care at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. As a consumer, I was apprehensive as most because of the stigma that is associated with car dealers. However, I had already done a preapproval with a loan provider that I trusted. the loan provider advertised the car at XXXX XXXX for XXXX $ XXXX. Given that my father works for GM we are entitled to a employee discount, before going to the dealership we called them and informed them of the discount and inquired if the discount would be applied to the advertised price and we were told that it would. After being told that piece of information we went to the location and went through the standard price haggling. When we presented the advertised price, the salesperson proceeded to say that dealerships have to advertise the car with all of the possible discounts to be competitive with the area dealerships. I thought that was deceptive marketing. What is the likelihood that you will qualify for all of the compounded discounts..student, soldier, first responder, GM owner, etc ... Nonetheless, my daughter was eager to get a new car. So we continued the conversation about the price. It was then we were told that the GM discount can not be used in conjunction with the sales price. Again, we were given false information. Though, I should have walked out, we still moved forward. I was told that in order to get an additional $ XXXX off we had to use GM financing. As I previously mentioned. I had already been approved from another lender. So when I was told that we had to use GM financing, I hesitated, but agreed to under the terms that they would ONLY submit my loan authorization to 2 institutions. I stated this NO LESS than 4 times and the sales person agreed that they would ONLY send my loan to 2 lenders. When they returned they informed us that my credit rate was 7.5 %, then the finance person came with a different number. When we signed the paper work. I was told that the rate was lower, they were able to get my loan approved for 5.75 %. A few days later, I got a notification that my credit score went down by almost 30 points!!! When I reviewed the inquiries is saw that XXXX XXXX XXXX had submitted a credit approval to 5-7 different banks, none of which I had approved. They separately submitted my daughter to another creditor. After seeing this, I sent a message to XXXX XXXX XXXX on line and no one ever replied.
This is devastating to me. I am in the process of preparing to purchase a new home in the next few months. I have worked extremely hard to get my credit to a place in which my interest rate for a new home is reasonable. The $ XXXX that I was supposed to save by using their financing is going to cost me THOUSANDS because of the impact to my credit.
XXXX XXXX XXXX business practices are completely deceptive. From the advertised pricing to scam to the financing practices. These tactics are why people do not trust auto sales.
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| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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This complaint is to formally advise that GM Financial has violated several of my consumer rights. Specifically, GM financial has failed to validate a debt at my request, which is a violation to the FDCPA 15 USC 1692g - Validation of debts. I requested this information on XXXX XXXX, 2022 ( XXXX XXXX # XXXX ) when I sent a validation request to GM Financial. GM Financial responded with a letter asking me to call them, even though I stated I would like to communicate only by mail. Also, according to the FCRA, GM Financial has committed a violation to 15 USC 1681a ( 2 ) Exclusions ( i ) which clearly states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and I've never given this " person '' my authorization to share any transactions or experiences. That is only one violation according to the FCRA that is being committed, there are several. Another is 15 USC 1681 under ( a ) Accuracy and fairness of credit reporting. Not only is this account being reported without my permission, it also has incorrect information. For one, it says it's in collections but has a balance. Another inaccuracy is, every month GM Financial reports a new charge off and late payment on a closed account, all while GM Financial continued to report a disputed debt to the Credit Reporting Agencies. These violations are damaging my reputation and have prevented me from three very good deals on investment vehicles. Not only has GM Financial committed FDCPA and FCRA violations, but they are just violating all my consumer rights. According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given any of these options to opt out nor were any of my options explained clearly to me. Not only has GM Financial ignored my prior requests for validation of debt but GM Financial continues to report this debt to the credit reporting agencies causing damage to my character.
Should GM Financial again ignore my rights and continue to bring harm and damage to my character I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I would also like to seek damages from GM Financial for these violations.
Kind regards, XXXX XXXX
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| 07/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/17 I went to XXXX of XXXX for a new XXXX. During the signing of the contract I agreed to pay {$550.00} a month for the car and trade in I had. After I had signed the contract it stated {$550.00} a month. Then I get a call from the finance Co. XXXXXXXX XXXX XXXX the guy stated during the call, " he was calling to confirm the payments for {$670.00} a month. I then was frustrated because when I signed the papers it said {$550.00} with a a guy named XXXX who works at XXXX of XXXX. So I go back to XXXX of XXXX and confront XXXX during our conversation he pulls the contract out and shows it to me. I have my cousin in the room with me. So while looking at the contract my signature was change and the monthly payment also along with my trade in value and they added a {$10000.00} buy out i never agreed to. I snacted the paper off the desk and told XXXX this was not what i agreed to. He turns red aggressively asking me to return the paper. I said why did you change the information after I signed the paperwork. So then XXXX agreed to change it to {$550.00} after all the commotion. So I figured everything would be fix after this but, it wasn't XXXX done the paperwork and the next call I got from XXXX XXXX XXXX the guy says your payments or {$640.00}. So this is the 2nd XXXX change the information on the contract. I called for months up to XXXX of XXXX to speak to whoever owns the company they gave me the run around he never returned my calls at all. So I brung this issue up to XXXX XXXX XXXX. Mind you I was never late on any payments trying to figure out how to handle this issue. No lawyers in Delaware handle this kind of case which I find very strange. I tried everything. I keep reading over the contracts for months seeing how this guy XXXX XXXX me around to cheat me out of the money. I really work hard for every day. Then after months of searching I found you guys to try to help me with this issue. So XXXX of XXXX came got there car and sold it with out me knowing about this. Then they send me a bill for {$12000.00} which I do not owe them any money. I had the car 10 months payed on time everytime. I put {$4000.00} down and a trade in. They have reported false information to all 3 credit bureau, that I will liked removed. They stated to the credit bureau that this dept is in collection which is a lie and that they wrote it off as a bad dept. I haven't seen a judge for this matter at all. I had my legal office contact them on many occasions no response. The people at GM Financial left rude messages and responses when the attorneys tried to contact them and played many phone games. I would appreciate if they removed the false information from the 3 credit bureaus and quit harassing me for money I don't owe the this matter is closed with with Gm Financial and no negative remarks should be on my credit report at all. It's been on going harassment. My attorneys XXXX XXXX has been very respectful but Gm Financial hasn't cooperated at all!
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| 12/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Around XX/XX/XXXX, GM Financial illegally repossessed XXXX XXXX XXXX Account # XXXX. This issue was resolved a few days later. They returned the vehicle. However, it took months for them to remove the 30, 60, 90 day late payment.
After it has been resolved, couple of months later, around XX/XX/XXXX ( last year ), their billing department sent me inaccurate bill showing months of unpaid monthly payment. Around XX/XX/XXXX, I contacted GM Financial about fraudulent charges/inaccurate billing and credit reporting for 2 XXXX lease accounts that I had with them : Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ) and Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ). I sent them an email dispute and it appears as if they again corrected the wrong bill for this account.
When I made all the disputes, I made it clear to GM Financial that both accounts were being paid at the same time. I provided them bank statements and even conferenced them with XXXX XXXX representative over the phone. XXXX even confirmed to me that the amounts were being paid to GM Financial by them on my behalf every time a payment is made through my XXXX XXXX account.
For the record, both these accounts were on automatic billing and payment directly with GM Financial. I never knew that GM Financial took me off of the auto pay around XXXX XXXX. Since I have enrolled on auto pay, I only open mails when I have time to file and organize.
Around XXXX XXXX, I found out that I am being paper billed and that according to them I owe 2 months. And because I saw how undependable GM Financial 's online payment system is, I decided to start paying them directly from my XXXX XXXX account.
Around XX/XX/XXXX, I spoke with XXXX of GM Financial - I was told that she would be putting notes regarding the 30 day late for Account # XXXX for research.
Around XX/XX/XXXX, I spoke with XXXX and XXXX of GM Financial - I was told that I would be receiving a letter from GM Financial indicating no late payment record for Account # XXXX and that it would take few weeks before it is reflected in my credit report.
Today, XX/XX/XXXX, I spoke with XXXX of GM Financial - I was told that Account # XXXX is still showing the 30-day late.
Records will show that I always pay my GM leases on time except for the month that their system abruptly and without notice stopped processing my auto pay.
Records will also show that I always pay these 2 accounts timely and responsibly.
Records will also show that I always pay these 2 accounts AT THE SAME TIME!
Since I am paying both accounts at the same time, and they have removed the late payments in Account # XXXX, why have they not done the same with Account # XXXX?
Both accounts should not show any late payments. I have been suffering because of this negligence. I have either been declined credit or been offered higher interest rates because of this inaccurate information being reported on my credit.
Please see attached documents for reference.
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| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am legally XXXX on XXXX. I am XXXX XXXX XXXX. GM Financial knows that I am XXXX. My XXXX expired on XX/XX/XXXX. I called them well in advance of the expiration and extended my lease. I receive a phone call on XX/XX/XXXX asking me for the signed lease extension, but I had never received one. They admitted they sent it to the wrong address in NJ. They say they will resend.
... ... ... ... ... ... ... ... ... ... ... ..
1. XX/XX/XXXX I receive the lease extension. I fax the signed extension to them and receive a confirmation. They agree they have it.
... ... ... ... ... ... ... ... ... ... ... ..
2. XX/XX/XXXX I receive another lease letter from XXXX XXXX. But I didnt see it for over a month because I never check my mail because I do everything electronically as I am unwell. When I saw it I thought it was a mistake and disregarded it.
... ... ... ... ... ... ... ... ... ... ... ..
3. XX/XX/XXXX I receive a text from my brother in another State alerting me that I received mail at HIS house. I never lived in his house. I had him open the envelope and send me photos of the envelope and contents. In the envelope was a business card for a car repo person. I got nervous and assumed identify theft so I checked my credit report and saw that GM Financial CHARGED OFF my car. I tried to dispute it with XXXXXX/XX/XXXX but it is also reported as paid in full. Isnt it illegal to harass my family in another State to embarrass me into returning a car I am allowed to have?
... ... ... ... ... ... ... ... ... ... ... ..
4. XX/XX/XXXX I phoned XXXX and was on hold for nearly 4 hours and transferred to multiple people. During the call I emailed them PROOF that I had a lease extension and they illegally contacted my family. At the end of the I was told that the mistake would be rectified and I can keep the car until XX/XX/XXXX. So I made my monthly payment, which would mean I am paid in full until XX/XX/XXXX.
... ... ... ... ... ... ... ... ... ... ... ..
5. XX/XX/XXXX I receive a call from them at telling me they are repossessing the car TODAY. They claimed they never got the lease extension so I offered to resend it to them yet again. I resend it to them by email and they call me and said that it is now null and void because I filled it out wrong. I asked her for a refund ( of my monthly payment for XXXX ) and for a release ( saying they would release the charge off ) if I could return the car the car today and she said the charge off will remain on my credit unless I pay $ XXXX for the car right away.
... ... ... ... ... ... ... ... ... ... ... ..
6. I can not afford to buy the car. It is XXXX. I have less than XXXX mileage on it. I just use it for doctors visits and to buy food. Theres no public transportation to my doctors and I am not working. How do I buy another car when theyve destroyed my credit?
... ... ... ... ... ... ... ... ... ... ... ..
7. Theyve accepted all payments. None of them have been returned.
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| 07/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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First my credit report said I had a ( personal ) account not co-account for a leased auto from XXXX which was actually my wifes car which I signed on with her it stated that I owed {$1000.00} this was incorrect neither I nor my wife owed that amount she had since leased another auto and closed that account out I filed a dispute and was told one department didnt report to the other. Has since been removed. After which my score dropped on XXXX report. In XX/XX/XXXX my personal auto loan which I got in XX/XX/XXXX time was up and I hadnt paid it off yet due to hardships I filed bankruptcy and did not include the vehicle as I wanted to pay it off so I kept it as a reaffirmation of debt, at the time my loan was to be paid off ( ie the loan term had ended ) XXXX contacted me and offered to allow me to lower my payments so that I could pay auto loan off but befor I could do this I had to pay late fees on original account of {$170.00} they sent me forms to fill out and pay the late fees, which I paid because I couldnt enter the new agreement til old late fees were paid off I had to have the documents notarized which I did and sent them back, in XX/XX/XXXX I paid off balance of loan in the amount of {$280.00} suddenly the late fee turns up again I called them in dispute and was told it would be resolved, my XXXX report corrected it and showed no auto loans they were paid off but my XXXX report stated that I still owed {$170.00} it also stated that a remark had been added to my report between ( XX/XX/XXXX and XX/XX/XXXX ) that there was a reaffirmation of debt which caused my score to drop .there was inXX/XX/XXXX a reaffirmation of debt when I and my wife filed a bankruptcy but this was already on my report it seems it was added again which is unjustified since the loan has been paid off my XXXX score went from XXXX to XXXX something so when it was resolved with them it went back to XXXX which I see as unfair considering it was higher that that befor mistakes now my XXXX has fell from 570 something to XXXX because of similar problems with XXXX reports. I donot owe them anymore they agreed when I spoke with them over the phone yet it still remains on my XXXX report they said theyre sending me documents which will show everything was paid off and that it was my responsibility to send them to credit agencys to correct but I have not received them I think since they admitted they were in err they should along with XXXX do something to restore my credit to where it was befor the ( ( mistakes ) ) and then adjust it as though there wasnt any ie raise it from where it was not from where it is after mistakes I can only assume that my XXXX scores are where they are because of XXXX reporting it still remains open even though its been paid off please resolve these issues so I can continue forward as you can see in the attachments XXXX has corrected the {$170.00} and no open auto accounts yet XXXX has not due to reporting from XXXX
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| 10/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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This complaint is regarding an egregious situation that is occurring to my wife and I by GM Financial with regards to a XXXX XXXX XXXX and a sequence of events that occurred during our lease return process.
I have mailed, by certified mail with return receipt request a very detailed summary of the events that occurred. I am attaching my correspondence from XX/XX/XXXX for your reference, along with the supporting certified mail documentation that proves this letter was received by GM Financial.
In summary, I visited my mortgage lender to take advantage of the current historic low interest rates and reduce my current mortgage from XXXX XXXX to XXXX XXXX, a move that represents a substantial savings to my family both in the current monthly payment and the long term finance cost for my mortgage. I was rejected for this mortgage, as GM Financial is reporting several late payments and a past due status on my returned lease. I left his office thoroughly embarrassed and extremely upset.
All my life I have been extremely responsible with my credit obligations and I have never missed not one payment. I've always enjoyed XXXX credit scores and the easy access to favorable financing terms this credit score provides. Now, I am facing the possibility of losing out on a savings of tens of thousands of dollars due to this egregious error by GM Financial.
As you can see in my correspondence, GM Financial fumbled on three seperate occasion the pre lease return Vehicle Inspection appointment that caused my wife to miss several days of work so that she could be home for this appointment. The inspector was a no call, no show on two separate occasions, and because of this, after much back and forth XXXX whom was presented as the supervisor of the department granted a credit of {$390.00} to cover the disposition fee. I urge you to read the letter from XX/XX/XXXX to understand the context of this situation and how exactly GM financial fumbled the lease return experience.
Well, now it seems that this was never documented, ( everything else is documented but conveniently the disposition fee credit is not ). I implore GM Financial to simply LISTEN TO THE RECORDINGS to corroborate my version of the story. They clearly state that calls are being recorded, this is a great time to reach into the recording vault. My detailed notes referenced in the XX/XX/XXXX Correspondence will make it very easy for you to locate the specific call.
I have also on numerous occasions informed GM Financial of this, in writing, by phone, etc. I truly thought this was resolved with my XX/XX/XXXX letter but now they are destroying my wife and my credit history that is impeccable for 30+ years. We will not tolerate this any longer and want to make very clear should we miss out on the significant savings of refinancing our home mortgage we will pursue a claim for these damages. Easily, valued at XXXX dollars over the life of a 30 year mortgage.
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| 02/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XX/XX/XXXX, i visited XXXX XXXX to purchase a vehicle. I told the manager after agreeing on a price that i wanted to use GM financial for the 0 % promotion that was advertised during that time and if i can not get approved for that than i was only going to use my financial banking institution ( XXXX XXXX XXXX ). They agreed to the terms. XXXX wanted 7 % and i declined that offer so XXXX ( the finance guy ) and I agreed to the terms of XXXX for credit loan approval. I signed the contract and left with the vehicle. I called on XX/XX/XXXX to follow up with the spray in bed liner which was owed to me as part of the deal and i was told they will call me back. I called again on XX/XX/XXXX because no one contacted me for the bed liner. At that time, XXXX XXXX ( the sales agent ) told me that the deal was declined by XXXX and the needed a co signer to proceed with XXXX. I was then contacted by XXXX ( the XXXX ) on XX/XX/XXXX and he said that we can get you approve as a single owner through GM at 7 % for 635 monthly. I told him that i am not going to do that. on XX/XX/XXXX i returned the truck and XXXX took the keys. After i left, XXXX and XXXX called me several times threatening me with coming back to pick up the truck because they had worked out a deal with GM to meet the terms of XXXX on the original contract. I told them that i did not approve or authorize that and they can not change anything on my signed contract without my knowledge or approval. and XXXX told me that is not true, we can do whatever we want and i will be receiving payments from GM. I called GM on XX/XX/XXXX and they told me i did not have an account or loan at that time.. I made them aware of what the dealer was trying to do and they assured me that they did not have anything in my name at that time. on XX/XX/XXXX i received a letter from Gm stating I now had an account and payments due for a truck i no longer have in my possession. I notified GM on XX/XX/XXXX that this account was fraudulent acquired from XXXX XXXX without my approval and that i had already returned the truck to the dealership on XX/XX/XXXX. they said the application sent to them by the dealer shows XXXX XXXX XXXX but it has been scratched or crossed out and someone wrote Gm on the line on the contract and they can not close the account without proof the dealer obtained and or submitted it without my knowledge and or permission. I informed them that i still have my original paperwork and i do not have any marks on my contract showing XXXX being scratched off. I returned to the dealer per GM request to get them to reverse the deal and get the paperwork of what was submitted by them and the dealer refused to show me the contract they sent to GM and would not reverse the deal, instead tried to give me the keys to the vehicle that i do not want or need. i told them i was not taking possession of a vehicle that they fraudulent obtained financing on and left the property.
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| 06/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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In XXXX, I fell on hard times. I managed to keep up with my car payments despite not having a job for nearly 3 years. In XX/XX/XXXX, my car was repossessed. The day before I was finally offered a job. The only caveat was that it didn't start for another month. I attempted to do everything I could to prevent a repossession. Once it happened, I attempted to pay. I was told that I had to come up with money in a 10 days. I asked for more time, as I had just gotten a job. I got a pay check 3 weeks later. I planned to use ALL of it to get the vehicle back. I was {$200.00} short. I begged for an extension of another 2 weeks or even just a waiver of the {$200.00}. I was told no by everyone I spoke with. Then I was told that the car was going to be auctioned off. I was not told where the auction was being held. That would have given me an opportunity to buy the car. Eventually, the car was auctioned off, according to GM Financial. Fast forward to XX/XX/XXXX. I wanted to resolve the issue. I reached out to GM Financial and spoke with XXXX. I asked her about settling the account and having it removed from the credit reporting agencies. She stated that they do not do that and that I would have to wait for it to " fall off. '' Under the FCRA, reporting to agencies is VOLUNTARY, NOT MANDATORY. She then stated that they delete accounts that have inaccuracies. I pointed out several. The amount owed, was different than the information she stated over the phone to me. Additionally, the loss was written off. GM received their money. Furthermore, the car sold at auction. Additional monies toward the account. She had informed me that the account was old and sent to the XXXX XXXX XXXX XXXX collection agency. Then, she stated that, it was a good thing because they could " offer me a settlement lower '' than GM Financial could. I called XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. She stated that she could not locate an account with my name. That GM Financial had pulled it back from them. Mrs. XXXX advised me to call GM Financial back. I did immediately. I spoke with someone and explained to her the information that Mrs. XXXX at XXXX XXXX XXXX XXXX had told me. She placed me on hold. I was on hold for about 15 minutes. The call had been transferred and I was connected to XXXX again. She indicated that while I was on hold for so long, she was working out a settlement offer for me. The offer was {$2300.00}. I told her that I could not afford that amount and asked her to send the account back to XXXX XXXX XXXX XXXX. She stated that she would not do that.
Several violations of both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act occurred.
1 ) 15 USC 1692b ( 2 ) 2 ) 15 USC 1692a ( B ) 3 ) 15 USC 1692e ( 2 ) A 4 ) 15 USC 1692f ( 1 ) Failure to Comply With UCC Article 9 5 ) When the repossession occurred, peace was breached.
6 ) I was not given my personal property from the vehicle.
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| 06/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I contacted GM Financial back in XX/XX/2021 about the extension of my lease. Due to the pandemic, finding a vehicle was near impossible and waiting periods were anywhere from 6 months to a year, if not longer, to obtain a new vehicle. As this was the first lease I have ever taken I asked for all the details on how it works. I was ONLY told that I had to sign this agreement and it would allow me to extend my lease an additional 6 months. I signed and sent over the agreement on XX/XX/2021. I continued to make my payments over the next few months. I contacted them again a few months later as I was now considering buying out my lease and was informed of the residual balance. After I received the quote I asked why the balance had not gone down with the payments I had been making. They stated that the payments I was making were only to extened the lease and that the residual would remain the same. I read though all the documents and no where on them or on their website or in my lease agreement does it outline this detail. ( I have attached a copy of the lease extension for your reference ).
I also did some seaching on my GM Financial online profile to see if I had somehow overlooked any lease extension documents. The only extension document I was able to find did not outline anywhere that the residual would remain the same. I have attached the list of documents on their website as well as a copy of the Payment Extensions Fact Sheet.
Today, I called to obtain the payoff and for the process to buy out my lease. I was transferred multiple times and when I finally reached the correct department, I expressed my concern over the lack of detail regarding the residual and if there was any recourse. She informed me that there were 5 notices sent to me that outlined that the residual would remain the same and agreed to send me these notices via email. I advised that all my communciations from them were electronic and at no time did I receive the letter the representative was referencing. She then insisted that the documents were sent via regular mail and would not have been sent electronically as I had elected on my online profile. Once I was done speaking with her I asked to speak with someone to address my concerns. I waited nearly 20 minutes to be transferred and finally reached an individual to submit a formal complaint. My request was for GM to apply the funds I had paid over the past 6 months ( around {$2800.00} ) to my remaining balance ( residual balance ) as a way to rectify the issue. I had also advised her of the information the previous representative had told me, saying GM sent me 5 letters explaining the residual would remain the same. I was then informed that no such letters were ever sent. She advised that due to the XXXX XXXX and bookkeeping there was no way they could perform such a task but assured me she would escalate my complaint. I was on this call for over an hour ....
|
| 09/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
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I got a loan through GM ( Americredit ) I purchased the vehicle in XXXX for XXXX. After taxes and all the loan totaled XXXX. The payments are XXXX a month. Well in XXXX XXXX I was in a car accident and unable to work, Gm calls my house daily XXXX or XXXX times a day and I have explained my situation that I am injured and do n't want to talk about the same thing daily. When I purchased the loan I told them I only wanted a payment below XXXX. I was told that it would refinance in a year. They keep saying that they are going to work with me, but they have n't and I refuse to pay all that interest on a truck. loan started out at XXXX now I still owe XXXX after XXXX worth of payments. In XXXX XXXX, GM started calling my husband he was XXXX over the road, he kept telling them he could n't talk he would get back with them after he parked, they call him back to back everyday. It is illegal to call a person on their job so many times especially when you speaking with the person that tells you they will call you back. They put a repossession man on the truck and he logged into my facebook account and pretended to be my godson that is stationed oversees to get my address when they already have my address. Then he called my home and told me he was there to pick up the truck which he must not have been cause at the time I was out of town with my husband. He should have never called me that is total harassment .Then they called my sister, father in Kentucky and told them that I was behind on my truck payments which is scandal cause you talked to my husband several times, and also me I explained if I am home I will get the phone or call back so you did n't need to call anybody, then you called my friends XXXX XXXX and XXXX XXXX XXXX and told them the same thing.This is very illegal.When I asked them about refinaceing the vehicle they told me they do n't refinance, if you are a legal bank how do you not refinance when you told me that you would refinance the truck in a year, the only reason I signed the documents was cause I was gon na get a lower payment the following year which never happened! I want the interest taken off and the balance forward, cause the interest is not doing anything for me and I refuse to pay all that uneccessary interest when the truck is not worth it and nobody will refinance me cause the loan is upside down. I actually have a loan that is considered predatory lending which is illegal and I want something done about it. I am tired of the run a round from GM ( AMERICREDIT ). I also want pain and suffering from the harassing phone calls from GM and the Repo man and I want my husband compensated for the harassment on his job, rule clearly states not to call at a place of employment, GM kepy calling even after they were told not to call him at work. I also want compensated for telling my business to my family and friends. Thanks for your time and attention in this matter
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| 02/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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My Name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I purchased a car from XXXX XXXX, identified as vehicle number XXXX, financed through Americredit Financial Services Inc. loan number : XXXX. The loan was for 6 years which would have completed cycle in XX/XX/XXXX ; however, during the year of XXXX, XXXX XXXX XXXX Florida, which is where I resided, went through two hurricanes as a consequence three payment were allowed to be placed at the end of the loan term.
In XX/XX/XXXX I left the USA and moved to XXXX, leaving my then Husband in his care our home and car which had the 3 payments to complete.
In XXXX AmeriCredit Financial Services Inc. issued me a 1099-C Cancellation of Debt which was mailed to my home in XXXX XXXX XXXXXXXX Florida . I was required to file taxes with the amount showing on the 1099-C of {$990.00} as income. This represented the 3 payments that were put to the end of the loan were never paid by my then husband which resulted in the issuance of the 1099-C for the three missed payment.
On XX/XX/XXXX, I went to DMV and tried to get the title for the car, as it has been sitting for years and I wanted to start using it. To my dismay, the lien is still showing and upon my call to now General Motors Finance, they will not release the title until I pay an amount of {$1100.00}, which they claim is what is owed on the vehicle. I explained to the customer service representative and to the supervisor XXXX XXXX, at ( XXXX ) XXXX, that I received this 1099-C and if they wanted the funds they were going to have to rescind the 1099-C issued, and that would required that both of us do a 1040 Amendment to the taxes for the amount I reported as income and the taxes they reported as payment. The main issue is that the 1099-C was issued in XXXX and I did my XXXX taxes with this amount as income. I can not at this point correct my taxes from 11 years ago.
I have tried daily, weekly to speak to a manager or someone that can help to no avail. Meanwhile, I am unable to resolve this issue. I have also asked for the payment history to be mailed to me to show me where the difference is coming from. My payments were of XXXX XXXX monthly... So I do not know how they state that apart from the {$990.00} they claimed were issued to me as a 1099-C that I owe an additional {$1100.00}, this would mean that I was 6 months past due, which is not accurate.
I need help resolving the title issue and determining if I do owe, that they provide payment history to show how the amount is arrived ... and if the {$990.00} is part of it ... they can not double collect on it.. one through a 1099-C and the second with me sending them the payment they are asking to release title.
I plan to send copy of this complaint to the Federal Trade Commissioners Office, State Attorney and to the IRS.
I can be reached at ( XXXX ) XXXX. Title can be shipped to XXXX XXXX XXXX XXXX, XXXX FLXXXX
Thank you
|
| 05/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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On XX/XX/XXXX, I was notified that my FICO score had suddenly dropped nearly 100 points. As a responsible consumer with impeccable credit, I immediately requested my credit reports from all 3 credit bureaus. I discovered that GM Financial had reported a 60-day delinquency for XX/XX/XXXXand XX/XX/XXXX on the lease turn-in ( final balance of {$1500.00} ) of my former vehicle ( a XXXX XXXX ). This balance was completely unknown to me, as I turned it in on XX/XX/XXXX ( while leasing a new XXXX XXXX ) with the understanding from the salesman that he had figured the remaining balance of the XXXX to be rolled in to the new vehicle payment. In my new vehicle, I drove away from the dealership with the understanding that the lease turn-in of the XXXX XXXX was completely settled. The salesman ( or the financing dept at the dealership ) never told me to personally contact GM Financial about anything whatsoever. The salesman obviously did not roll the remaining balance in to the new car payment.
When GM Financial sent a final bill ( of {$1500.00} ), one final bill was sent to an old address on the account. As a result, I have never received the final bill to this day. However, the statements for my new XXXX XXXX were indeed ( and still are ) coming to my current address that they do have on file at GM Financial.
I did pay the remaining balance of {$1500.00} immediately over the phone to GM Financial on XX/XX/XXXX. Although GM Financial made an error in mailing the final bill to the wrong address, they REFUSE to remove the FALSE 60-day delinquency that is still showing on my credit reports with XXXX and XXXX. I filed complaints with all 3 credit bureaus in XX/XX/XXXX. XXXX is the only bureau that corrected the problem and removed the 60-day delinquency for me.
I have made endless calls to GM Financial on this matter and I have filed several complaints with XXXX and XXXX. Yet they refuse to remove the false 60-day delinquency showing for XX/XX/XXXX and XX/XX/XXXX. They only " Updated '' it as paid off as of XX/XX/XXXX.
This is not acceptable as it is easy to see that I have had impeccable credit for all of my credit history of over 20 years. GM Financial claims that I should have called them when I turned-in the XXXX XXXX. How would I know to call them, when I had every confidence that the entire transaction was being handled by my salesman and dealership? The salesman ( or the dealership financing department ) never told me to call GM Financial about anything. Additionally, my billing statements for my new XXXX XXXX were coming to my current address. So why did they send one final bill of {$1500.00} to an OLD address? I have never received it and I did not know to expect it.
GM Financial is falsely characterizing me as a negligent consumer by refusing to remove the 60-day false delinquency from my credit report. Whereas, I am nothing but a responsible consumer.
|
| 11/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I purchased a new car utilizing GM Financial Funding in XX/XX/XXXX. From the start of my loan ( specifically the from the first monthly P & I payment ) I made timely payments ( including additional funds above my agreed payment amount the life of my loan. On XX/XX/XXXX the new vehicle I purchased in XXXX was involved in a total loss after my car was struck by another car. Shortly following the accident I reached out to GM Financial and indicated that I had been involved an in accident and I wanted to make them aware. As one would with an accident, I filed a loss claim with my insurance company who settled my total loss claim in XX/XX/XXXX, at which time funds were sent to GM Financial directly from the carrier in the amount of {$23000.00}. This was followed by a claim filed with my gap insurance company, who issued a payment of {$5700.00} issued directly to GM Financial. Lastly, I cancelled a dealer service contract translating into another check in the amount of XXXX. This check too was sent directly to GM Financial. During a discussion with two separate regarding overage payments made during my loan period, it was advised that I could obtain a payout of my overage. Please note since my first principal and interest payment in XX/XX/XXXX I paid over and above my agreed upon note payment amount, causing a surplus. The GM Financial associates I spoke with on two separate occasions In early XX/XX/XXXX quoted me two different amounts in which would be released. The second associate indicated the first associate I spoke with was releasing too little. I made it clear that I wanted to endure all incoming funds ( listed above ) would account for my full loan amount. In XXXX I received an overage payment which I believe led to me having an owed balance which GM Financial applied interest to - now requiring me to pay $ XXXX now - and which has been reported causing adverse action to my credit report. This all after I not only paid on time but over and above the amount owed monthly. I had a great experience with the purchase of my vehicle and would have suggested GM Financial to others. However this attitude of unaccountability is off putting. This is how you treat customers who have gone above and beyond the agreement. Additionally the folks I have spoken to in their customer care or loss/charge off area - continue to not listen or help. They rather keep telling me that $ XXXX is owed. Really {$200.00} is worth losing a customer. The last associate told me they do not have a complaint department, after being told that I could submit a complaint on their website. I was told on XX/XX/XXXX that all they do is log it but there is no one I could speak to or a complaint department. Rather I needed to talk to them because I owed money. XXXX down the tube to a company that is hounding me for {$200.00} that they released {$90.00} in error and charging me $ XXXX in interest.
|
| 12/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
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Hello- I have a loan with GMXXXX financial Acct # XXXX. I was a victim of fraud on XXXX/XXXX/XXXX and lost the balance of my savings and checking accounts at that time due to fraudulent activities. I files a police report with the county I lived in. This cost me more than XXXX in lost funds. The police department has been diligently working to help me recover funds from the significant theft. This also caused me to fall behind on bills I currently have. I have worked with all my creditors and my auto loan was affected. However, since then I have been current since XXXX on my loan. I have been having difficulty with them for awhile, Each time I speak with them a new amount is owed to them which was different than they last told me. In XXXX and XXXX I sent 2 payments on my XXXX XXXX XXXX which are now unrecorded. I contacted XXXX and let them know. On XXXX XXXX I logged into my account and saw that XXXX was owed and was n't reflecting a XXXX payment I made. This would have put my loan in advance. The very next day I was told my account was in arrears XXXX plus an additional XXXX due to a returned check. I had started to make a payment on my checking account however, reversed that payment and then used my XXXX which went through. XXXX proceeded to electronically complete the checking account transaction in addition to this. THis checking account transaction did not go through. XXXX has not recorded a XXXX payment and a XXXX payment. I then informed them, they did no research or ask questions. I informed them on or Around XXXX XXXX of the lost payments. They asked for evidence. I called my XXXX company and requested they address which took till XXXX XXXX to retrieve. On XXXX XXXX I made attempts to log into my XXXX account online and had no access. SO, the next day XXXX emailed the information to XXXX and sent a XXXX XXXXm for XXXX XXXX. The XXXX XXXX # is XXXX to confirm that sent payment. 2 hours later, the vehicle was repossessed. I told the gentleman I could provide evidence that it was paid when he arrived. He proceeded to say no, he forced repossession in front of my child. My employer has also stated they would refinance my vehicle as soon as it is returned to my possession for me so there are no further issues. However, they will not refinance it for me until it is returned. I am seeking out immediate assistance as I have a XXXX child at home and need the vehicle returned to transport her to medical appointments. This has become a serious matter. I also reported the incident to the PA Banking department in hopes of assistance. I am attaching the documentation for the 2 missed payments. I have also requested GM financial to send me paper statements instead of paperless as they do not always come through. I never get an account update and according to my records I have been current since XXXX and was paid in current at the time of repossession.
|
| 03/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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This is in reference to my joint account with my husband with GM Financial. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXXthat they had not reported any information since XX/XX/XXXX on my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXXand have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called GM financial who stated that my payments were on time and that I was in deferment in XX/XX/XXXX and XX/XX/XXXX and those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXX I finally heard something on an update on my account and it was from XXXX and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports XXXX now has a charge off for Charge offXX/XX/XXXX and then account ok until XX/XX/XXXX which showed charge off again and then ok again until charge offXX/XX/XXXX The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then XXXX and XXXX showed 60 days late. It cant go from ok to 60 days late. XXXX and XXXX show worst delinquency as 90 days which is not reported at this time and XXXX shows charge off. The balance on my account per the company website shows that I owe XXXX and according to XXXX and XXXX it shows {$7700.00} and XXXX nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXXsince that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
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| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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After my XXXX payment, I attempted to set up auto pay, which I later found out was not set up properly. Prior to that, I paid my payments monthly around the due date. Prior to the XXXX payment, GM would send me emails every month letting me know my payment was due in 5 days. After setting up auto pay, or so I thought, these emails stopped. I have not received any email from GM about anything since XXXX I assumed, incorrectly, that this meant my payment would be paid automatically. That did not happen. So, I missed my XXXX payment as a result. To this date, I have not received any email correspondence from GM letting me know my payment was late. I would have missed the XXXX payment also, but GM reported me late to the credit bureaus on XX/XX/XXXX, which I received prompt notice of. I immediately logged on and made both my XXXX and XXXX payments. GM called me 1 time on XX/XX/XXXX, from a toll free number that actually came across as " Unknown '', to let me know my payment was apparently late, but the voice mail only stated they wanted to talk to me about my account with them. I assumed, incorrectly yet again, that it was a sales call. Had anyone let me know I was late I would have immediately made the payment. I have not missed a payment in well over 15 years. I had the money to make the payments. And I thought the auto pay was set up. When I finally was able to speak with someone from GM to try to get this resolved, the person told me that they were calling me over and over about this. That is a flat out lie. They called me 1 time again on XXXX XXXX, which again came across as " Unknown ''. Not once did they say my payment was late. They also claim that they spoke to " someone '' on XXXX XXXX but again, that is a flat out lie. They did not speak to me or my wife. They did not call either number.
I made the payments on Thursday, XX/XX/XXXX for XXXX and XXXX. I then set up auto pay a day later. I have not received any correspondence from GM that the auto pay has been set up. I asked why they didn't send me any correspondence letting me know auto pay had been set up. The response that I received was that they don't do that. Every reputable company other than GM does that. Every company will also attempt to contact you multiple ways to get their payment. GM only called twice. They claim they called more than that, but that is not true.
Plain and simple ... if my auto pay had been set up like I thought it had been, we wouldn't be in this situation. Since my auto pay was not set up, my emails every month letting me know that my payment was due should have continued. GM stopped sending me my payment due emails in XXXX for some reason, but they won't tell me why because they know it would show that GM dropped the ball with my auto pay. They also claimed they talked to " someone '' on XX/XX/XXXX, which is 100 % false.
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| 02/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a lease through XXXX XXXX of XXXX Ma in XX/XX/2017. I was only there because I had purchased a XXXX with XXXX XXXX XXXX the week before and had such a great experience. I only worked with the finance manager, XXXX during this transaction. I paid aprx {$1400.00} the day I picked up the truck. I was under the impression that covered XXXX and XXXX 's payment, same as the XXXX dealership. When I hadn't heard anything, I called in to customer service XX/XX/XXXX, and spoke to a really nice rep who stated my account was due on the XXXX of every month and if I didn't make a payment by today I would be 30 days past due. I was in shock AS I WAS IN THE PROCESS OF OBTAINING A MORTGAGE AND COULDN'T HAVE A 30 DAY LATE PAY or I could lose the mortgage down payment, etc. I went home and paid through the automated phone system as I didn't have a check on me at the time. I entered and re-entered both my account and routing number TWICE. Later on, I received an email stating the account was paid with a confirmation number. The following Monday was XXXX and since this was the first time making a payment with GM Financial I wasn't sure how long it would take to post, especially with the holiday. As of Friday it still wasn't taken out of my checking account so I called. They were closed. I called again Monday. At this point the online system stated that they were closed until further notice for system updates. I couldn't log into my account online and I couldn't get through to a human being until XX/XX/XXXX. At this point, I had contacted the dealership, XXXX, and asked what to do. I then received a notification from my credit monitoring services that GM had reported my account 30 days late and my credit went down 60 POINTS MAKING ME NOT QUALIFY FOR MY MORTGAGE. I was appalled. I couldn't speak to anyone, no one would return my calls and I was in the process of losing XXXX and my first home.
Since this, no one has helped me. I've contemplated getting a lawyer but the fees are hefty and I'm trying to get back on my feet and buy a home as I had to take out a loan to do so. I've had several conversations with the manager of the dealership I was working with and no help. I've sent certified letters to the President and to other Leadership members of GM Financial with no help. Please help me. This is totally unfair and I would never have purchased this truck knowing how awful they treat their customers. Not to mention, the truck had to go into the shop for a fuel emissions issue and I was without the vehicle. IT IS BRAND NEW.
Keep in mind- they are stating that I entered my account information incorrectly. Which is not true as I entered it twice repeatedly through their system. I feel as though they are trying to make money off of me. They also increased my loan amount by {$12000.00} ( shown below from my credit file )
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| 08/31/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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XXXX XXXX XXXX Gm financial Lease I signed for 48 mos {$440.00} a month I was told they needed {$2500.00} down I traded in a car rebates ate my negative equity. Dealer tried numerous sales tactics, they also lied and told me score was lower, I put {$3500.00} on vehicle new vehicle had {$6500.00} in rebates and it was a demo so I intotal put $ XXXX down. Vehicle had numerous issues and vehicle was damaged before purchase and never disclosed! Dealer never informed me once informed the flagged me with Gm finanacial and refused to trade me out of the vehicle. They forced me to keep vehicle and blackmailed me. I was forced to pay almost XXXX for a car stickerd at XXXX. The paint peeled from their XXXX repair and the dealer and service manager purposely scheduled appts inconviently. Once I called Gm customer care to report their inappropriate behavior. They flipped the script to make me look wrong with Gm custom. Numerous attempts to repair exterior finish eluded to a vehicle that looked like it was 4 years old when its only 1 year. DEALER PURPOSLY DAMAGED MY BRAKES AFTER EVERY REPAIR. On the way home from first repair car sounded like brakes were applied without depressing pedal. The advisor informed me it may be a Rock caught in the pad and rotor? I dont drive on dirt roads or jungles! Rock was from parking lot of dealer. Numerous pads and rotors replaced in a course of 1 year. When consumer attempts to trade vehicle in credit score XXXX plus. Dealership had me drive 70 miles 1 way to come in to inform me I needed to pay {$1800.00} down to trade in for another demo with XXXX miles. Not the color or features I wanted. They stiff armed me into a vehicle lease on XX/XX/2016 on XX/XX/2016 when vehicle went to be repaired I was railroaded into resigning lease agreement only never presented with buyers order or informed what payments would be prior to signing! I paid my down payment after I signed my paperwork! They forced me to pay card on theXX/XX/XXXX but I never received paperwork! I then had to bring {$1.00} cash by XXXX XXXX to close deal and then Id get my paperwork! Never received proper paperwork! Keys missing and all! Dealer beyond disrespectful! Service manager full of balogna to be nice and descreet on voicemails but then change his Story in person. They all worked together to XXXX over a hard working individual. I tried purchasing my lease through the dealer they wouldnt let me do it. There was always a problem. The dealer wasnt helping they never offered to swap me out of s vehicle without me putting anything out of my pocket! They also inflated the payemnt so high it was ridiculous. I tried purchasing a truck theyre woukdnt let me trade. I make the money and I have the credit they Just did things out of. They reported I was late paying and I never was late! Id like all derogatory remarks removed
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| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX my vehicle was destroyed in the hurricane. High winds brought down trees, one of them fell on my car. I had purchased it on XX/XX/XXXX in XXXX XXXX North Carolina and financed it through GM Financial. Because the car was totaled and I had gap insurance both XXXX my regular car insurance provider and XXXX the gap insurance provider were going to pay off the vehicle. I have copies of the email exchange between myself and both of those companies during this time. GM Financial was notified of these claims immediately. I was assured by all three companies that I did not have to make any more payments on this vehicle. The following weekend I purchased a new vehicle at the same dealership which was financed through XXXX. Insurance claims apparently take time to pay out so I kept a close eye on my credit report over the next few months, watching for the balance to disappear. I watched as the amount that XXXX was going to pay was removed. I watched us the amount XXXX was going to pay lingered longer on my credit report. Eventually XXXX paid their part, but inexplicably after both companies paid there was a {$37.00} balance remaining. I spoke with all three companies. GM in particular I called several times about this balance as it was showing as a negative factor on my credit report. They told me initially it was a mistake and that I could ignore it. The account was then charged off. Alarmed because my credit had already been damaged quite significantly by my recent divorce proceedings, I called back once again. At this point speaking to the same individual who had reassured me before that this was a mistake, I insisted that I pay the balance however I could so that it would come off of my credit report. He said he wild and a message to a specific department to fix this, accepted the payment and I have proof of payment from XXXX XXXX XXXX in XXXX XXXX. That was XX/XX/XXXX. Unfortunately, though that amount was paid ( when frankly it shouldnt have even been there ), GM Financial insists on reporting this as a charge off. Their own employee told me to ignore this, that it was an accident, that it was a mistake. This one negative factor on my credit report is preventing me from having a credit score that will qualify me for the mortgage that I am applying for. XXXXXXXX XXXX in Tennessee, my contact there being XXXX XXXX, alerted me to the weight of this one error. If this were correctly reported as paid as agreed, my credit score would be as much as XXXX points higher. This is an extremely damaging error entirely at the fault of GM Financial. It is preventing me from qualifying for purchasing a home for myself and my children. I am a single mom. I never had a late payment on this loan I followed the instructions of the finance company as well as the insurance companies. This is unacceptable.
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| 10/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Re : Dishonor of Private Conditional Acceptance Presentment This is a notice to inform XXXX XXXX XXXX, and principals of XXXX XXXX XXXX. ( Hereinafter Respondents ). Respondents are in Dishonor and Default for refusal and failure to respond and rebut XXXX 's presentments titled, Private Conditional Acceptance and Offer to Cure, in the form of an Affidavit, dated XX/XX/XXXX ( hereinafter Presentment ). Respondents were " Privately Noticed '' and given allotted time to respond by rebutting XXXX 's Conditional Acceptance and Offer to Cure with specificity and fact of law under the penalties of perjury pursuant to 28 U.S. Code 1746 in the form of an affidavit. Ninety ( 90 ) dats have lapsed since Respondents have been in possession of said XXXX, and Respondents have refused and/or failed to rebut said XXXX in the allotted time and specified manner therein. On XX/XX/XXXX, principals and agents of XXXX XXXX XXXX XXXX,. XXXX XXXX XXXX,. and XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada ( Hereinafter ) deceived Affiant ; a private consumer into endorsing an unconscionable contract ( see XXXX XXXX ) for the purchase of a XXXX XXXX XXXX XXXX which Respondents willfully, falsely, and knowingly purported to be safe, and in compliance with U.S.C. 49 30116 et seq,. and the applicable mechanical, safety standards and regulations of the state of Michigan and state of Nevada. XXXX XXXX XXXX XXXX, and sales representatives of XXXX XXXX, both doing business in the state of Nevada wantonly, falsely and deliberately publicized deceptive advertisements which purported the " XXXX XXXX XXXX XXXX could travel 259 miles on a full charge '', was " Mechanically Sound '' " Eco Friendly '' and " Safe '', These deceptive public announcements and false advertisements was the centerpiece of XXXX XXXX XXXX, and its franchisees ' marketing campaign to garner sales for said vehicle. Considering the public announcements by Respondents, XXXX was deceived into to trading in a XXXX XXXX XXXX and paying a substantially higher price for the purchase of a XXXX XXXX XXXX XXXX, at a price gauging note approximately {$710.00} per month that Respondents knew was unsafe, prone to ignite into fire, and mechanically defective from the onset. Said actions by Respondents are in clear violation of a litany of mechanical and safety standards pursuant to United States Codes, including violating Deceptive Trade Practice statutes pursuant to State of Nevada Statutes ; 598.0903, et seq. Since reviewing models of the XXXX XXXX XXXX XXXX on television and internet completely burned, or on fire, I have since been filled with anxiety, suffer from psychological duress, and have no peace of mind every time I attempt to enter into XXXX XXXX the XXXX XXXX XXXX XXXXXXXX for XXXX of it catching fire, my family and I being injured or killed.
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| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Over the past 3 years I've disputed multiple times with all three bureaus the fact that I should not have to pay full msrp on a vehicle that I do not own anymore. I tried to refinance at the beginning of covid because I was not able to make payments after my employers shut down. I made my last payment in XX/XX/2020 tried to refinance for lower payments and during this time I had also learned that my car had 5 recalls that needed to be taken care of immediately for personal safety. the people I took it to said I needed to pay for the cost of labor but everything else was covered under warrantee. I took my remote and left. I tried talking with customer service multiple times, basically got the run around that I owed them and that was final and they weren't going to allow refinance because I need to make a payment or get it out of a past due balance. Which I understand but with covid going on and waiting on unemployment to go through ( fighting with DoL and past employer for leaving my schedule blank I had pictures though so it took a long time I never got paid til XXXX ) which apparently at some point a tow company came to my mother 's house to repossess my car. I never got any notices in the mail or even so much as a phone call and all my info was updated in the system so they knew where my address at the time was. I lost my mother in XXXX to an illness and then rhe next week they showed up and repossessed my car. Moratorium was still going on! The guy said he was going to give me my plates but never did he just jumped in his truck and left while I was carrying my things up to the porch I never even finished getting my stuff out I didn't fight with him or anything about taking rhe car but he said that gm would notify my about where it was going and so on. Which they never did that either. Next thing I know I get an onstar notification through email said my car is being fixed and prepared to be resold. I called and waited on hold for 3 hours and my phone died I gave up and then a payment was posted yo my account for XXXX which is what I'm guessing the cat sold for at auction 3 years worth of payments plus that equally out to be about XXXX but they still want XXXX and everything I've disputed they get taken off but jump back on my reports as an auto mobile loan, Installmant loan installment loan retail loan and so on they've literally deducted over XXXX points from my credit score over the course. And now currently I can't get any help what so ever. I'm not in enough debt to file for bankruptcy or for a loan nor can I get a personal loan to fix the other issues I have. My husband two dogs and myself have been homeless for almost a year now and I can not find any help whatsoever I don't know what else to do. This is unfair treatment. Harassment and just plain illegal and inhumane.
|
| 04/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I have a vehicle loan with GM Financial for my XXXX KIA Soul. XX/XX/XXXX I had to file a XXXX XXXX bankruptcy in an attempt to save my home from foreclosure. My loan with GM Financial has never been late or was never in default. I had to put the loan in with the XXXX XXXX restructuring plan per the bankruptcy trustee 's orders in spite of it being in good standing. I made every single plan payment in my chapter XXXX case but I had to have my case dismissed in XXXX XXXX and surrender my home due to my mortgage holder constantly contesting my proposed payment plan thus making my home unaffordable. During the time the car loan was under the protection of the bankruptcy trustee GM Financial reported payments as late to the credit bureau which is illegal. The Chapter XXXX case was dismissed without prejudice in XXXX XXXX. Once the case was dismissed I immediately resumed without delay paying my auto loan outside of the bankruptcy plan. I have been out of the Chapter XXXX plan since XX/XX/XXXX and I have made every single car payment on time but GM Financial is not reporting my payments on time to the credit bureau. This is also illegal per a XX/XX/XXXX Bankruptcy ruling out of the Bankruptcy court in Wisconsin. I verified this by pulling my XXXX and XXXX reports. GM Financial has failed to update the credit bureaus to reflect the status that the loan is being paid on time and is no longer part of the chapter XXXX wage earner plan. GM financial is still reporting the loan to the credit bureau as part of the chapter XXXX bankruptcy plan and I am not getting positive marks on my credit bureau reports for making 6 on time payments. During this time period after the bankruptcy case was dismissed GM Financial has continued to collect the interest of 14 % every single month I have sent in my payments but GM Financial has not honored their responsibility as a lender to report my positive payment history to the credit bureaus. Whether or not this was an oversight on the part of GM Financial it is still illegal and has caused damages to me. My financial situation has slowly been improving since receiving a fresh start under the bankruptcy code as well as finding more affordable housing. I would like to refinance out of the high interest rate car loan in order to get my car paid off faster but I am unable to do so because they are not reporting my payment history. I feel they are doing this on purpose to trap me in a high interest rate loan for their own monetary gain and nothing more. I would like my payment history reported to the credit bureau correctly, the interest refunded on my loan from from XX/XX/XXXX until XX/XX/XXXX due to their mistake, or the chance of obtaining a possible loan modification with a reduced interest rate due to outstanding payment history for 20 consecutive months.
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| 02/12/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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This complaint entails my lease at GM Financial regarding my XXXX XXXX XXXX XXXX. I originally leased this vehicle for 39 months and the lease expired on XX/XX/XXXX.
With good faith, I returned my pristine XXXX XXXX XXXX back to the original dealership, XXXX XXXX XXXX in XXXX, Texas on XX/XX/XXXX.
The service manager along with one of the service advisors took inventory of the vehicle while collecting both sets of keys and going over everything on the vehicle. As per their direct comments, they both commented the vehicle was pristine, matching tired with more than proper tread while confirming I was under the alloted total miles, as per the executed lease agreement. I asked them the time frame of hearing back from GM Financial to see what would be owed, if anything. They stated usually 2 weeks.
I left the country for both the holidays AND business on XX/XX/XXXX and returned on XX/XX/XXXX.
I personally visited the dealership again and asked them If they can verify any information whatsoever. This is when they put me in contact with the General Manager by the name of XXXX XXXX. This gentlmen went out of his way and made his calls and contact and assured me in person that I absolutely had no excess wear and tear and I would not be responsible for any wear & tear and that {$0.00} was due from us.
Additionally, he stated that GM Financial calls and mails clients a final bill, if there is any overages due to their initial contract. In the morning of XX/XX/XXXX, I recieved an alert on ALL my 3 main credit bureaus stating I was currently 30 days late on my ACCOUNT.
First, they confirmed the last payment was made well before the due date and they also confirmed, along with the dealership that I turned in the vehicle earlier than the due date ( XX/XX/XXXX vs XX/XX/XXXX ).
Now I have a 30 day late showing on my credit report thus causing an average of XXXX point drop on my 3 credit reports! Additionally, I am due to close the last week of XX/XX/XXXX on another rental property and this will cause massive financial hard for a very huge error on part of GM Financial!
To date and since the time of this writing. I never recieved any communications from GM Financial regarding anything after XX/XX/XXXX and yet now they left me with damaged credit and a perfectly maintained vehicle back in their fleet. Again, the dealership was the only party that confirmed I owed them nothing extra by visiting the dealership on XX/XX/XXXX.
I have also contacted the Federal Trade Commission, Office of the Attorney General of Texas along with the XXXX of the XXXX, TX Division. Additionally, as a practicing attorney here in Texas, I will begin exploring other possibilities to include filing a lawsuit for willful financial hard by violating the Fair Credit Reporting Act.
XXXX XXXX XXXX, XXXX.
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| 07/12/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I received a letter from GM Financial in XXXX of XXXX stating they were moving to a new billing system in XXXX. In XXXX of XXXX I received another letter from GM Financial stating they were having issues with their billing system and I should pay the statements I receive and they will eventually start billing correctly.
My normal lease payment is XXXX XXXX/mo. and in XXXX of XXXX GM Financial began billing me incorrectly, so I paid exactly what was on the statement and assumed they would send me a statement to catch up on payments.
Inaccurate statements for XXXX were as follows : ( I have copies of all of these ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges XXXX XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} XXXX No late charges ) XXXX XXXX - Total amount due {$430.00}. I paid {$1500.00} XXXX No late charges ) **May XXXX - Total amount due {$540.00}. I paid {$540.00} ( No late charges ) *In XXXX of XXXX I was contacted by a collections agency stating they were going to repossess my XXXX if I didn't pay {$1500.00}.
**In XXXX of XXXX the account started billing correctly.
When I was told my account was in collections I paid the {$1500.00} they wanted and immediately contact GM Financial to be sure this would not affect my excellent credit score. Customer service was less than helpful at first. The first representative I talked to said I should have been making my regular monthly payments, my credit would be affected, and she asked if I " Only paid the amount due on all of my invoices '' - I answered " Yes '' and asked for a supervisor who again wasn't very helpful. After several calls back and forth I finally got someone who looked into everything and he told me this was happening to quite a few people and apologized on behalf of GM Financial. He told me they did report this to the credit agencies, but I would be able to dispute it w/o issue and he said it would be noted on my account.
My credit score did take quite a hit from this and when I filed a dispute it was denied. I did everything GM Financial asked of me, I paid all of the statements that were sent to me ( on time ), my statements show all payments were on-time, and GM Financial did not contact me a single time to tell me they were sending my account to collections or my vehicle was being sent to repossession.
My current credit score has one blemish - 30 days late - GM Financial - XXXX and GM Financial is completely to blame for this. I recently had to take a higher mortgage rate because my bank sees late payments as a risk. The mortgage APR I was hoping to get was 3.99 % and I had to take one at 4.125 % Again, I have never been late on ANY of my payment to ANY of my creditors.
|
| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX i purchased a new car financed with gm fianncial and made all payments on time leading up to accident that occurred and totaled the vehicle with a drunk driver in XXXX of XXXX ( i was not at fault ).
XXXX XXXX promptly sent them a check for roughly XXXX that was received by GM cleared on XX/XX/XXXX and received prior.
I called the GM financial every single day after this check was received for the month of XXXX and half of the month of XXXX asking them to please apply the payment to my balance so that I could get a new vehicle. It was impossible for me to get a vehicle with my credit looking like I just took out a loan for a vehicle 10 months before that, and hadnt paid it off yet. The difference was paid XX/XX/XXXX and when I spoke with someone at GM financial, they let me know that my account was satisfied in full and then I would be receiving a payoff letter within a few weeks.
I never saw my payments applied to the account until XX/XX/XXXX. After GM financial accrued interest on the principal balance as well as late fees for 3 to 4 months after the vehicle was paid in full and loan was satisfied.
I didnt know any of this until XXXX when it all came up on my credit reporting saying, I had a charged off account and defaulted on my loan. They had three months of late payments and listed it as a charge off. This has severely damaged my ability to do anything in my life ever since that day. It has sabotaged my ability to move forward, or make any moves with my business, because I am constantly having to fight the charge off that was never actually a charge off. I did all the right things and worked so hard to keep my end of the deal straight on the contract. However, GM financial has severely damaged, my ability to move forward with my life. By the way they have miss handled my file and for the past three years continue to keep these in accurate remarks on my credit report. I have proof and have provided them with proof and they also have proof on their end that everything was paid in XX/XX/XXXX. It is now XX/XX/XXXX and Im still dealing with the repercussions of them and accurately reporting on my credit. I was able to get them to remove it from XXXX XXXX due to all the inaccuracies, but it remains on my XXXX and XXXX has a charged off account. Please help me remove this and correct predatory GM financial. It has been the hardest part of my life just trying to overcome what theyve done to my credit even having the account paid in full less than a year after taking the car loan out in the first place. That is the type of behavior they should be rewarded on credit not punished and lied about for years, so that I am in able to utilize the fruits of my labor and rather stay waiting to have my record cleared of things that I did not commit.
|
| 03/03/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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on XX/XX/2021 I sent GM FINANCIAL a Cease and Desist, a Affidavit of Truth, Exhibits labeled with the companies violations of my federally protected consumer rights under TILA and the FDCPA, and a invoice for fair and appropriate compensation of the violations through certified mail with a green return receipt to prove the company received the documents. I also filed a complaint here through the CFPB with attachments containing everything that was sent to GM FINANCIAL supporting my claim of the violations and the section of the law referencing my consumer rights in which they violate. GM FINANCIAL responded to the CFPB with a letter that was unacceptable and unacknowledging of the fraud and violations they committed. The Affidavit of Truth filled with statements of truth which I sent to GM FINANCIAL ( and to the CFPB for documentation ) went unrebutted which by law stands as truth in commerce. On XX/XX/2021 GM FINANCIAL violated 15 USC 1692d- HARASSMENT OR ABUSE ; and 15 USC 1692c ( b ) - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION ( b ) COMMUNICATION WITH THIRD PARTIES ; when they implicated a third party debt collector to the whereabouts of my location information XXXX XXXX XXXX XXXX XXXX XXXX to Harass, abuse, and embarrass me by illegally repossessing my vehicle from my location at an inconvenient time while bystanders watched my privacy be invaded. I went to the repo companies residence to get my vehicle back and was told GM FINANCIAL has to send a release. When i contacted GM FINANCIAL i was told i have to pay {$1400.00} to have my vehicle reinstated, catch up on alleged debt from past due payments, late fees, and pay the tow fee from illegally having my vehicle repossessed unwillingly and provide proof of full coverage insurance which is supposed to be included in my finance charge but was never disclosed to me. Pursuant to 15 USC 1605, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I am the original creditor, I entered into a consumer credit transaction with GM FINANCIAL in which a finance charge is involved, and i am aware that GM FINANCIAL used my " Credit Card '' as defined under 15 USC 1602, to create the certificate of indebtedness and it is not my obligation pursuant to 18 USC 8- Obligation or other security of the United States defined. GM FINANCIAL is criminally liable pursuant to 15 USC 1611-Criminal liability for willful and knowing violation ; for violating my rights as a Federally protected consumer under 15 U.S. Code CHAPTER 41- CONSUMER CREDIT PROTECTION. GM FINANCIAL is civilly liable pursuant to 15 USC 1640- CIVIL LIABILITY ; in my individual action for damages, for twice the amount of the finance charge in connection with the transaction.
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| 01/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I filed a complaint with the XXXX on XX/XX/XXXX and XXXX has returned it as an alleged invalid complaint, see paragraph below for a timeline of events. GM financial has failed to resolved the issue even though XXXX XXXX has accepted 100 % liability. I've attempted endlessly to settle this and can not because GM Financial has the car hostage, my credit now shows a closed account due to a recovery which is absurd considering XXXX XXXX has agreed to pay. It is XXXX and I have been without help and a car since XXXX. GM Financial has refused to help and only gives general information regarding a resolution. This type practice can in no way be in good faith or fair dealings and in my opinion predatory. Due to GM financials failure to act or their unfair acts on multiple occasions has caused me to be here.
" On XXXX a vehicle was racing and ran a red light totaling my vehicle. It was subsequently impounded. For about 11 days I attempted to file a claim with the responsible party and could not do so due to the driver providing an incorrect policy number. On the 11th day, I contacted my insurance company to file a claim. On the 12th day we finally were able to get a police report from XXXX XXXX. Through some due diligence on about the 13th day after the accident, XXXX was able to locate the policy using the VIN and XXXX filed a claim on my behalf with XXXX XXXX ( The responsible parties insurance ). On XX/XX/XXXX, GM Financial sent me an email regarding receiving an impound notice. Because the claim was not yet resolved, I did not provide any information to GM until I've had the opportunity to speak with XXXX XXXX. Before I could settle the claim, on XX/XX/XXXX GM Financial took possession of the car without my knowledge. They stated the car was recovered due to them paying the impound bill. I told them XXXX XXXX was going to pay it but they had no explanation for me at all. I've emailed, called, and no one and I mean no one will help me with XXXX XXXX, GM Financial. I can't buy a new car because GM financial has noted my car was a voluntary repossession and closed the account. XXXX XXXX will not speak with me because of GM Financial. My heart is so broken that it seems like everything that could go wrong based off the decisions of the impound, lienholder, insurance companies ... ... .I strongly believe that GM Financial does not want to process any claims under the GAP insurance which is why they have ultimately ignored me. I fully believe that GM Financial has settled with XXXX XXXX received payout, and closed the account to avoid covering the GAP portion I paid for. It is unfair, unethical, and bad dealings. GM has closed the account and noted a voluntary repossession. " Please help me. I really need a car to get to work as I am changing positions.
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| 03/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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GM Financial repossessed my XXXX XXXX XXXX on XX/XX/XXXX in New Jersey. It was then transferred to Michigan & titled at the XXXX, MI DMV on XX/XX/XXXX.
I NEVER received a Notice of Resale Date that is mandated by LAW in New Jersey that would have provided me the option to redeem my vehicle! Since they NEVER mailed me a NOTICE OF RESALE, and are trying to collect the deficiency, I mailed GM Financial, along with all three credit bureaus, a letter of dispute on XX/XX/XXXX via Certified Mail Return Receipt. I requested that GM Financial forward me ALL copies of the legal notices and proof of the Commercially Reasonable manner of the resale, ( since they sold my vehicle at auction for only {$5000.00}, but the buyer resold it for approximately {$16000.00} ).
I never received the requested information/documents from GM Financial XXXX
On XX/XX/XXXX, I received a letter from GM Financial, dated XX/XX/XXXX stating that they received my inquiry letter and that additional information was needed, even though I included EVERYTHING that they would require to send me the legal notices requested ( i.e., loan number, my name, address etc. ).
Then, on XX/XX/XXXX, I received another letter from GM Financial, dated XX/XX/XXXX stating that my recent dispute regarding the credit bureaus reporting of my account has been received and reviewed. For the following reasons we are unable to proceed with your request : NO specific item was requested for investigation and NO supporting documentation was received. They also included information to file a direct dispute, information I ALREADY provided GM Financial!!
So, on XX/XX/XXXX, I resent my first letter that was dated XX/XX/XXXX and added my phone number and also mailed it to their XXXX XXXX XXXX
On XX/XX/XXXX, I received another letter from GM Financial dated XX/XX/XXXX, stating to please accept this letter as a formal notification that GM Financial was recently contacted by you in reference to the above listed account. Based on information you provided, the account may have been fraudulently established as a result of identity theft.
On XX/XX/XXXX, I received the same, exact letter as the letter dated XX/XX/XXXX. This one was dated XX/XX/XXXX.
On XX/XX/XXXX, I mailed another letter requesting ALL copies of the legal notices and proof of the Commercially Reasonable manner of the resale of my vehicle. The ONLY communication I have received since, has been from GM Financials Bill Collectors! GM Financial is IGNORING my requests for resolution and giving me the run-around BIGTIME, as they did not comply with the mandatory requirement of the resale notice! Additionally, I have ALL my USPS INFORMED delivery copies of mail received from XX/XX/XXXX thru XX/XX/XXXX, which PROVES I NEVER received this notice!!
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| 11/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Co-signed XXXX XXXX lease for my son with Gm Financial in XX/XX/XXXX.Total amount of lease totalled {$10.00}, XXXX. It is a 3 year lease. Credit Monitoring company had notified me by email on XXXX XXXX that my credit report drastically change, therefore lowering my credit score. As I looked into, I notice my balance on the car lease went from the original {$10000.00} to a staggering {$19000.00}. Now, let me explain first off that I paid almost the entire lease payments early- minus one last payment as you can not pay off the entire lease early without penalities so I left one last payment. My credit reports for the month of XXXX, and XXXX report only the lease payment balance. I mailed in a big check of XXXX in early XXXX, and then an additional payment on the XXXX of XXXX for $ XXXX totalling {$10000.00} I paid most of the lease off early as I am in the process of buying a house, and wanted to lessen the " debt '' on my credit report by paying down most of the LEASE. I called GM Financial at the end of XXXX as I was concerned they had not UPDATED the fact I made the big payments on my balance. I was informed by GM employee that they report to the Credit bureaus at the very end of the month XXXX or day after. When I checked my credit on XXXX, XXXX I noticed GM HAD NOT REPORTED THE LARGE PAYMENTS MADE 3 WEEKS PRIOR.Alarmed, I filed a DISPUTE with XXXX stating the fact that the original balance of XXXX should now reflect only {$290.00}. When I got the notice on XX/XX/XXXX from the monitoring agency that my balance went up drastically, I immediatley called GM and was told they must of reported the wrong balance and gave the credit agency the " RESIDUAL '' balance. I informed them that this was a LEASE. I did not sign any contracts stating I am buying the car at end of lease. I would trade it in. I AM NOT BUYING THE CAR. They never reported a Residual amount in the beginning yet they got confused when XXXX called regarding my complaint that I was not credited with making that XXXX, XXXX payment. When the clerk at XXXX asked GM lease employee what the balance owed was the person actually looked up the residual amount ( had i PURCHASED the car at end of lease and remember, they never reported in the past a residual fee. Always had a original balance of {$10000.00} on my LEASE. I can not get a home now because my debt to income ratio is now off the charts- I went from a balance of {$290.00} to {$19000.00}. GM Financial refuses to clear this up- they said it's a residual amount if i decide to buy itl. WELL, I AM NOT BUYING IT AND THEY NEVER REPORTED THAT AMOUNT PRIOR ... JUST THE LEASE BALANCE WHICH STARTED OFF AT {$10000.00}. PLEASE PLEASE PLEASE CORRECT THE BALANCE TO REFLECT THE AMOUNT OWED IS {$290.00}. I DO NOT OWE {$19000.00}
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| 09/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I mailed in IRS forms XXXX, XXXX, and XXXX to GM Financial to discharge the debt of my 2018 XXXX XXXX on XX/XX/XXXX. I never recieved a title and called them to find out why. An agent said on XX/XX/XXXX that they had not recieved the forms so I emailed them. On XX/XX/XXXX I checked to see if the forms were recieved and an agent said yes they had them and my title would be in the mail that day. I should recieve the title in 10 to 15 business days. I called again on XX/XX/XXXX and an agent said that I still owed and she was not familiar with the forms. I asked if she could fiward the forms to their legal department and she said she walked them over there personally. After this call I continued to recieve calls for payment and I asked another agent if their legal department had a response for the forms sent in. The agent said that there was no legal department. And then another agent said that there was. So since I got the run around I said I would cease payments until I heard from the legal department about the documents sent in to discharge the debt. I also informed the agent that I would pay if my car ended up on the repossession list to avoid repossession and I was told that I was not on the list. Well, my car was repossessed on XX/XX/XXXX. On XX/XX/XXXX I called off work and found out everything that needed to be done to retrieve my car. I informed them of not being able to miss more than two days from work due to being on probation. And that I would need a third party to pick it up because I work way north and the car is way south. They told me what I needed to do to get the third party approved and they said I had to sign another letter stating I did not have legal representation to get my car released. I did these things and once they were done they said I could be the only person to pick up the car and I was forced to write another letter saying that I am obligated to pay this debt according to the contract and will pay it. I had to sign and date it or else the car would not be released. I feel like I just got extorted to pay a debt that was legally discharged before I signed and dated a paper that makes me responsible for a debt already discharged. I could not pay to release my car until this was done. So I did it and paid Friday XX/XX/XXXX. I scheduled an appointment to pick up the car Monday XX/XX/XXXX at XXXX and it was cancelled due to the release papers not being sent to them in a timely fashion. Today Monday XX/XX/XXXX I was informed by loss prevention that the release papers were just sent in this morning. Now I am forced to pick up my car tomorrow at XXXX and jeopardizing my job because I have to take off again to go get it. Even though I sent in everything they asked for to have a third party do it.
|
| 11/26/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. My lease was for 36 months or for XXXX miles whichever comes first. I paid off the entire lease amount up front when I signed the lease contract. My lease contract shows the details. Because I used the car a lot, I had to return my car early in XXXX because the car gained almost XXXX miles. About 2 to 3 months ago, I received a billing statement from GM Financial. The statement says I owe {$660.00}. I called GM Financial to find out what the amount was for. I was told that {$390.00} was for " disposition '' fee and the rest was for XXXX tax for the disposition fee and some interest which they couldn't even explain to me. I paid the disposition fee of {$390.00} online, however, GM Financial insisted me to pay the state sales tax for the disposition fee. I never heard of imposing state sales tax on the disposition fee. In fact California 's " Regulation 1660 -Leases of Tangible Property - in General '' shows that sales tax should not be imposed on a leased vehicle. I emailed a copy of my lease contract to show I do not owe any money besides the disposition fee. GM Financial told me they will have to review my case. After a day or two later I found out that GM Financial reported to credit bureau that I have a delinquent payment. I've been maintaining excellent credit, however, due to their report to the credit bureau, my credit score plunged. GM Financial didn't even inform me that they were going to report to the credit bureau. I called to complain but they told me pay off the rest of the amount ( XXXX ). Again, I told them to review the documents I sent via email. They told me that they would review and let me know. I received another billing statement about XXXX weeks ago showing that I owe {$260.00}. I called GM Financial again on XX/XX/XXXX and ask them to explain to me what the charge is for. The person who answered my phone informed me that her manager would call me in the week of the XXXX of XXXX. Today, I received an email from my credit card company saying my credit score has gotten worse. My credit score dropped to 600 range. I was keeping at 800 range all the time, but GM Financial, without notifying me or giving me any details for the billing statement, reported me to the credit bureau for delinquent payment. I am really upset and this is totally unfair. How can GM Finance reported me to the credit bureau for delinquent payment while I was disputing the charges ( general excise tax on disposition fee and interest fee they couldn't even explain to me ).
My lease contract clearly shows that I paid off the entire leasing amount. I don't owe any money to GM Finance. GM Financial should revert the action by recovering my original credit score.
Thank you.
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| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a lease vehicle for 39 months with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX and it was financed by GM Financial Leasing. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the XXXX that was allowed, back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without purchasing another vehicle. My last payment to GM Financial was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped 45 points. Upon opening the app, I discovered that GM Financial Leasing has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to GM Financial. On XX/XX/XXXX, I contacted GM Financial and I found out that my car was grounded with GM Financial on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( GM ), someone called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation.
When talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a " NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.
|
| 06/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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I do n't know if this is a complaint as much as it is a question concerning what rights I have as a consumer. My son starts college in XXXX and I have a large unexpected tuition payment due. My options are to apply for a loan ( which I do n't know that I will qualify for ) or have him apply for a loan, which I would rather not do because I do n't want him to begin his life in debt like I did. I never bounced back. Hence, my present financial situation.
I have a car loan with GM Financial and called them, in good faith, on today XXXX XXXX, 2016. I called to allow myself plenty of time to work out an arrangement with them to have my XXXX payment moved to the end of the loan. I explained my situation and how extending the XXXX payment would greatly help me. I explained that this was an unexpected payment and that knowing how much has to be paid will give me time to prepare before his next tuition payment is due. I have paid GM Financial for XXXX months, never missing a payment, always making my payments early. All that I ask of them is to extend XXXX payment on this XXXX occasion. The GM service rep. put me on hold and came back saying that they could make payment arrangements with me but, that they could not extend the payment at this time because it would n't be wise to add so much interest to my account ( apparently interest continues accruing in spite of the fact that I am requesting a payment extension ). I explained that I am willing to make the sacrifice of the interest considering that I am already paying a lot of interest on this vehicle so, $ XXXX more would n't make much of a difference. The rep said that they could make payment arrangements with me since there is so much time before the payment is due. I explained that if I had money to make payment arrangements then, that is what I would have requested. I know how much income I have and what I will be able to manage before the end of XXXX. Besides, I explained, payment arrangements would also incur the same interest fees being added to my loan. I asked to speak to a supervisor who explained that GM was not willing to make an extension " on this account '' at this time. Granted, I do have poor credit due to taking on this loan and helping out a friend who is waiting for social security XXXX payments. However, my record with GM is clean. I am paying $ XXXX always on time. At the end of this loan, I will have paid over {$45000.00} for a {$25000.00} car. I know that it sounds crazy but, unfortunately, that is the agreement which I signed at the time.
My question is what are my rights as a consumer. If GM does payment extensions and my payment history with them is excellent, can they refuse an extension on my account? What are my options here?
|
| 09/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I signed a retail installment contract on XXXX in the state of Washington, the APR is 20.49 %, the amount financed is {$17000.00} and the finance charge ( or cost of the whole credit ) is {$13000.00}. I put down a {$600.00} down payment, and traded in my car which counted for {$1400.00}. The total amount was {$32000.00} which is nearly double the amount of money financed to me.
When I asked GM Financial, the lienholder, when my account was opened, I was advised ( via chat ) : " XXXX at XXXX, XXXX XXXX : Hello XXXX, I show that the loan was opened XX/XX/XXXX. '' I contend the installment sale contracts I signed, that was immediately assigned to the bank, that the transaction is really a loan from the bank and documenting it as an installment sale is just a sham to avoid the usury limit, which in the state of WA where the sale took place is 12 % per year. If this kind of business practice is lawful, why would n't every dealer have a buyer sign a retail installment contract in conjunction with an auto loan from a lender in order to profit from unreasonable interest rates? If the agreement between the lender and the dealer is what makes it a " retail installment contract '' as opposed to a loan which is directly between the lender and buyer, then why am I paying GM financial, and not XXXX XXXX?
I do feel that this is usury. In the case of XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX, the buyer bought a new vehicle from a dealer with a down payment and an agreement to pay the balance over several installments. According to the conditional sales contract, the buyer would make payments directly to a bank that was financing the sale. The contract was furnished to the dealer by the bank, which had an agreement with the dealer to buy all such contracts, if acceptable. On the next business day after the transaction was executed, the contract was assigned to the bank. When the buyer eventually refused to make payments, the bank sued. The Supreme Court reversed the trial court 's entry of judgment for the bank, holding that the transaction was, in substance, a direct loan from the bank to the buyer. Noting that courts look through the form of a transaction and consider its substance in usury cases, XXXX held that this transaction was actually a cash sale, with a conditional sale used as a security device to protect the bank. Because the interest on the loan to the buyer exceeded 12 percent per annum, the contract was usurious.
I would like everything I have paid to GM financial to be applied to the principal. I would like my balance paid off, as my gap insurance only covered 25 % of the ACV. I would like GM financial to remove themselves from my credit report and all my late payments from my credit report.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
I live in XXXX California and on XX/XX/2023, I mailed out my monthly payment for my XXXX XXXX to XXXX XXXX XXXX located in Arizona. I was sending the company my XXXX payment in the form of a Cashier 's Check, so there would be no delay in posting it. The cashier 's check was self-dated for XX/XX/2023 and it was issued by XXXX XXXX XXXX Once I received the check, I immediately dropped it off in the US mailbox outside of the bank, which has a pickup time of XXXX sharp. On XX/XX/2023, I decided to log into my XXXX XXXX account and view my credit reports to see what balances were being reported on my credit cards and immediately noticed my credit score on the credit bureaus had dropped XXXX points. I immediately scanned my entire consumer profile and noticed XXXX XXXX XXXX ( aka GM Financial ) had marked me 30 days late on my car note. In 25 years, my credit has been flawless, I've never missed a payment or defaulted on a loan. The following morning, I contacted GM Financial to find out what's going on and they said I was 34 days late on my car payment. I said that's impossible. I said I sent the payment out on the 15th and worst-case scenario it would have been there no later than Sept 19th. The rep replied, we show it arrived on the 23rd. I said there's no way possible it took 8 days for my car payment to go from XXXX XXXX to XXXX. I said I even sent you guys a cashier 's check, which acts the same as cash and the payment should have been credited immediately. He replied back they have no record of that. I said that's impossible. I said was my payment just sitting for days in your po box , instead of being credited to my account. He didn't respond back. All he said was we show we received it on XX/XX/2023. I said you guys just screwed my credit. I want the 30-day late payment removed from my credit report immediately. This is your guy 's screwup, not mine. I said my payment was there on time, but I'm willing to bet one of your employee 's neglected to go to your po box and retrieve my payment and other customers payments which were there on time. He didn't respond back. I said your company 's going to remove that 30-day late payment from my credit report or I'm going to take every possible legal action against you. The conversation ended with no resolution. That afternoon I sent GM Financial, XXXX, XXXX, and XXXX all letters including copies of my cashier 's checks, which show the XX/XX/2023, date on it. Because of GM Financials employees and their ability not to do their job properly their customers are the ones paying the price. After 25 years of clean credit, they destroyed it. I want that 30-day late payment removed from my credit reports immediately. Thank you.
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have new information to report NON-COMPLIANCE WITH THE TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( GM FINANCIAL ) may be in non-compliance with the Truth in Lending Act ( TILA ) and its implementing regulation ( Regulation Z ).
On ( XX/XX/2020 ) consumer initiated a consumer credit transaction to obtain a ( vehicle ) for personal, family and household use.
Upon recent review of the documents provided it has come to the consumers attention that ( GM FINANCIAL ) may be in violation of multiple provisions of TILA and Regulation Z.
The total balance your company claims to be due is ( XXXX ) which varies from the amount of the finance charge.
The finance charge in connection with any consumer credit transaction is the sum of all charges. It is also the cost of consumer credit in a dollar amount.
Due to the inadvertent or accounting error consumer is requesting documentary evidence ( including but not limited to ) the following : Original consumer credit contract XXXX XXXX Assignments of all parties involved.
Any XXXX filing and/or statements including any addendums.
Books of account ( G.A.A.P ) related to consumer credit transaction and account ( XXXX ) Financial and corporate records Any other lawful or verifiable proof of claim money for loan originated from ( GM FINANCIAL ) business bank account or stock.
( GM FINANCIAL ) upon receipt of this notice has 15 days to provide the requested documentary evidence and proof of claim.
If ( GM FINANCIAL ) is unable to provide the requested documentary evidence and proof of claim I request ( GM FINANCIAL ) discharge account ( XXXX ), report account paid as agreed with no derogatory marks, remove any liens, send me my title and the XXXX.
Furthermore, I was forced to make a cash payment ( down payment ) in a credit sale. There should be no cash in a credit sale. If ( GM FINANCIAL/XXXX XXXX XXXX ) wanted a down payment as a condition to the extension of credit it should have been included in the finance charge.
I respectfully request a refund of my cash payment in the amount of ( {$3000.00} ) via money order or cashiers check sent to the location on file within 7 days upon receipt of this notice.
By sending you this notice I do not waive any rights to take legal action or to demand arbitration for ( GM FINANCIALXXXX XXXX XXXX ) past or future violations of the law.
I pray in good faith we can resolve this matter with honesty and integrity.
Thanks for your cooperation and compliance in advance.
Sincerely, ( SURNAME : GIVEN NAME- ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) All NATURAL AND CONSUMER RIGHTS RESERVED. WITHOUT RECOURSE
|
| 10/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XXXX and XXXX. GM Financial has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with XXXX and XXXX XXXX. I contacted GM Financial in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called GM Financial on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response.
I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have GM Financial paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by GM Financial.
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| 07/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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In XX/XX/2017 I became a payment behind it is due the XXXX of each month and I paid it on the first of the following month which made in the area of 15- 16 days late. They have been charging me a late fee of XXXX each month i have done this. I had no problem paying the late fee but around XX/XX/XXXX i found that they were not applying the late fees payments towards the late fees but to my principle balance. So my late fees started piling up. When i realized what they had done i sent them an email asking them to apply those payments to my late charges and not my principle balance. This was never done. That however is not what my complaint is about I received a call from them regarding the continued late payments and they offered me a deferment of the outstanding balance. We all agreed and two payments were deferred to the end of the loan. Now the next installment is due and the late fees are on there. I was told the balance including late fees would be deferred, so when i got my statement it had a XXXX late added to it along with the XXXX dollars in late fees i stilled owed. When i called them to point this out I first got the same story from the first rep i talked to then she put me on hold to review my account and a second rep picked up the phone and stated that late fees do not get deferred and that the XXXX dollars i paid was for a deferment fee.
I understood that what the XXXX dollars was for and that i was instructed by there rep when I initially did this that they would be, I also told the rep that I did not have a problem paying the late fees of XXXX dollars still owed. my Problem was that they were charging me another XXXX dollar late fee for the late fees not being paid. So they were they charging me a late fee on a late fee. One not to sure if that is legal they say it is in the contract, however i do not believe you can contract away the rules or law, which i told i felt that the contract was in error and i just missed that clause if there, but i am paying for misleading information on there part and no where does it state that i need to clear the late charges, not even in the letter of verification they sent. I went ahead and payed the late fee with the new payment. But feel that this practice is not legal and defiantly not very moral all I wanted was the XXXX dollar late fee waived not to much to ask for their error I think. So know I turn to you to check out fi they can indeed charge a person a late fee on an outstanding late fee amount. Enclosed is a copy of the different letter as well as the last two months statements, of which may does not show a late fee being accesses and XX/XX/XXXX with the assessment of a late fee, very confusing.
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| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I called XX/XX/XXXX GM Financial to make sure the payments and overages were being applied correctly to my account. The young man said they were and not to worry. GM Financials online dashboard was not working on two different browsers. I asked for the break down of principle and interest then pay off. He assured me the payment overages were being applied properly and split between XXXX XXXX XXXX. I checked my online account the next day and it showed a past due balance, when I was paid ahead. I called GM Financial asking where that came from and was originally told not to worry. It was a glitch in " XXXX '' their inhouse system. That on their end she could see that my account was current. A few days later it still showed past due, I called GM Financial asking what was going on and was then told an employee had made an unauthorized payment reversal for XXXX, XXXX That my account now had late fee 's and was past. I asked why and after being transferred to three different agents nobody could tell me who or why it was done. I was told " He was not authorized to do that, were working to fix it. I asked several times if this would hit my credit and informed them I was going to be making a purchase in XX/XX/XXXX that I put a non refundable deposit down. The agent told me it " absolutely would not be reported because I was not late, and they notated it on the account ''. I was told they didn't know why the agent reversed it, but it was fixed, not to worry. My future purchase would be safe. I paid off the remaining balance of the loan on time XX/XX/XXXX. In XX/XX/XXXX I was setting up financing on my previously named future purchase. We checked my credit and it shows GM Financial reported me 30+ days late XX/XX/XXXX. I called GM Financial and was told to hold on, and they hung up on me after opening my account ... Twice. The next day a GM Financial rep told me that she could see that someone had tried to check the payment leger and reversed the payment and tried to reapply it. She said he wasnt allowed to do that, and reapplied the payment he reversed on his own doing wrong. Sending my account into a fraudulent past due status. On the recoding i have she states " Its their " GM Financial 's '' fault and it should have been caught and fixed the previous times that I called. However there wasn't much they could do since it had hit my credit ( XXXX points ) Someone from GM Financial would call me to explain how to fix it but it would take 45 days and I would lose my cash deposit on my future purchase because they made unauthorized changes to my previous payment. Not much other than " Yes its our fault but not much we can do now '' phone call was recorded on my end.
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| 07/24/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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After further investigation into my problem that began on XX/XX/XXXX , I fi nally discovered what has transpired without my knowledge damaging my perfect credit with no help from XXXX XXXX whereas they continue to willfully violate the Fair Credit Reporting Act. I had a XXXX M FINANCIAL lease which I turned in on XX/XX/XXXX ( XXXX XXXX ) I extended th e lease by ( 1 ) month w hich was verified and paid on time just like every payment in this history on this XXXX XXXX Lease that matured on XX/XX/XXXX . GM Financial agreed to waive charges if I took out another lease with them and so on XX/XX/XXXX , I signed for a new lease for a XXXX XXXX XXXX for 39 months. Since inception date of new lease ( XXXX XXXX ) and disposition of former lease ( XXXX XXXX ) both conducted on the same date ( XX/XX/XXXX ), I never e ver heard fr om GM FINANCIAL except for sending me monthly bills on my new lease to which I have paid to date without every being late 30 days ever. I never received a final bill for my former lea se ( XXXX XXXX ) in any capacity. I NEVER received a bill asking for payment by Regular U.S. Mail, Express Mail, email of record, voicem ail on my phone number on record, no text message, absolutely no conveying of a debt owed at all. First of all, I should n ot have a bill since I acquired a new lease through them again and secondly, If I did have an actual bill, I should 've had a chance to receive a bill to be able to review it and then pay for it. On XX/XX/XXXX , all XXXX credit bureaus ( XXXX , XXXX and XXXX ) have me CURRENTLY at 60 days late. I have never ever been late 30 days ever to ANY CREDITOR ever at any point in my life and to have this erroneous mark appear with a " Past Due Balance of {$700.00} '' is not only absurd but unprofessional and in violation. If I was alerted property, I would have paid that {$700.00} is indeed I owed {$700.00} dollars to them. 1st, s ince my lease termed and ended on XX/XX/XXXX , WHY did GM FINANCIAL fail to properly notify me in any capacity and in addition, WHY did they wait 9 months without zero communications to suddenly place a " current 60 day late '' on my credit reports damaging my c redit reports and damaging my current application for a refinancing of my residential property? I have now also alerte d the State Attorney and the Federal Trade Commission.
This erroneous trade-line must be deleted at once by GM FINANCIAL and a lso must furnish a copy of this alleged final bill of " {$700.00} '' so it can be property paid if in fact this is a factual owed amount and itemized. Thanks.
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| 12/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem extending the lease
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Web |
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My lease contract ended on XXXX XXXX. After speaking to the lease return department, I was advised that I could extend my lease for up to 6 months in 2 month increments. I was told that if I do not return the car the car would go on automatic extension and I didn't need to do anything. Sometime in XXXX, I was contacted by GM Financial asking whether I returned the vehicle. I was advised that extensions needed to be approved and that I needed a reason for extending. I explained that due to the pandemic, I am out of work and would not qualify for a new lease leaving me with NO form of transportation. I asked for more time to get employed so that I could secure a new car. I was approved until XXXX and requested another two months. They advised that now I needed to sign documentation. The documentation was emailed to me. I explained multiple times that I do not have access to a printer and would like to have the documentation mailed out instead. On XX/XX/XXXX they finally decided to mail the document to me. Upon receipt I would sign and email them a copy. At that point I could request another extension, and per the representative, my reasoning was valid and she didn't see any reason why I would be denied. Today, XX/XX/XXXX I receive a call saying that I need to return the vehicle and that my request for a new extension would be denied. Every conversation with GM Financial has been such a headache. Different representatives tell me different and inconsistent information. They do not read the notes on file, and continue to berate me for simply requesting an extension, which is allowed and stipulated in my contract. Many families have been affected during this pandemic and I really can not understand GM Financial 's inconsiderate, unrealistic, and unlawful treatment of it's customers. My husband uses the vehicle to get to work. He is the only individual working in our household. The representative was rude and showed no compassion, and even said that because I am not working that is even more reason to return the vehicle, to alleviate financial stress. That is not their concern. It's the only way for my husband to continue working and pay the bills. The vehicle is paid every month and her response was distasteful and disrespectful. I don't understand what changed since my last conversation with GM Financial. I haven't even received the documentation in the mail yet. Supposedly I am not able to request an extension without sending over the signed documentation. And yet they're able to deny my request? I don't understand. They won't put in my request for extension until they receive the documentation but they already know they will deny it. That is illegal.
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| 05/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with a trade-in
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Web |
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I purchased a vehicle from XXXX XXXX in XXXX, PA. I purchased the vehicle in XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) has not received the title on this vehicle and I have not been able to register or drive it.
We have received the registration. However, the XXXX XXXX have not held up it end of the bargain of as far as getting the check engine problem fixed and he provided a receipt of we owe. After we filed a complaint with consumer complaint he went into action. On XX/XX/XXXX he called and agreed to take a look at why check engine light was on for 3 months. He told me to take it to XXXX XXXX XXXX. I took the vehicle on XX/XX/XXXX at XXXXXXXX XXXX. I left my vehicle and my witness came to pick me up. I kept in contact with XXXX the owner of XXXX XXXX he assured me he was going to fix the check engine and check on the issue. I communicated with XXXX daily, when it was time to pick up my car XXXX also said I have a massive leak in the front of the engine. On the XX/XX/XXXX I picked up my vehicle with an attachment of a nightmare, because XXXX tried to charge me {$55.00} for maintenance. When I refused, he said was not releasing my vehicle. My witness and I had to call the police to get my vehicle back, as well as call XXXX. When I contacted XXXX, he communicated with XXXX to release the car and he will pay for everything. He also stated he will investigate and take care of why the check engine like is staying on.
After this ordeal it has been very difficult to get in contact with XXXX. He has been giving me the run around. And nothing has been resolved. I contacted him today and he stated he would fix the problem. I believe it is too late. As of XX/XX/XXXX I had to tow my car to his dealership, because I was informed that my car died. I have a warranty that is not helpful and a dealership who sold me a vehicle that stop working after 3 1/2 to 4 month. And I know is a law against that, I am not sure where to start. Hopefully your agency can lead the way. I want to continue be proactive in my complaint filing.
I have now found the dealership and I drove the car to the location with a promise he would provide a loaner. I drove an hour to his location and no vehicle was provided. I am paying for a vehicle I can not drive. Because it was faulty and dangerous. I almost died, because my vehicle stopped in the middle of the road. And with my belief system in XXXX who sold me the car to drive. And he assured me it was going to be okay. It left me stranded for 3 hours.
My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.
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| 09/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I have filed a CFPB complaint about this financial institution multiple times. GM Financial stated they sent me a written notice of sale before selling the vehicle. GM Financial stated that my mail box was undeliverable ; however, consumer has received every correspondence by GM Financial concerning this alleged debt EXCEPT what I am requesting which is the notice. In addition GM Financial sold this debt and their debt collectors send correspondences to the address on file of this alleged debt. GM Financial is to provide to consumer a copy of the notice that was sent to address on record. I am demanding GM Financial to provide the Certified Return Mail Receipt in this complaint. I have record to indicate that CRMR to me in which is invalid.
After further review of contract of this alleged debt, the consumer credit contract failed to contain the HOLDER IN DUE COURSE in at least ten point, bold face which made the contract unclear and inconspicuously.
On XXXX, I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. According to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt becomes null and void. The consumer did not receive a printed adequate notice. The adequate notice was to give me the pertinent facts clearly and conspicuously, so that I had noticed it and understood its meaning. Your financial institution had the choice of printing the notice or had given to me on each periodic statement, or by other means to assure I was in receipt thereof the notice. Your financial institution failed to provide pertinent notices.
As a result of fraud and deception of this onsided agreement, your institution will update my account as paid in full and remove any derogatory remarks.
Your financial institution will be held criminally liable according 15 USC 1611 for willful and knowing violating me as a consumer. Your financial institution will send me a cashier check for {$5000.00} or imprisoned not more than one year, or both the choice is yours.
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| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Parties involved, GM Finanacial ( GMF ), XXXX XXXX, myself I leased a XXXX XXXX XXXX on XX/XX/XXXX. I made ALL of my payments on time through XX/XX/XXXX. In XXXX, the final month, I decided to PURCHASE the vehicle per the terms of my agreement. I contacted XXXX XXXX, ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX ) to help process the lease closeout and purchase. They contacted GMF to obtain all the close-out information. On XX/XX/XXXX, I purchased the car.
I received a letter shortly thereafter from GMFinancial stating that as of XX/XX/XXXX " the above-referenced vehicle was accepted as a LEASE RETURN. '' No this was not right, it was an end of lease purchase, but I didn't think anything of it at the time. I received a NYS Title dated XX/XX/XXXX with all liens removed.
I moved shortly thereafter from my address in XXXX NY to XXXX, NY. I received a phone call from GMF on XX/XX/XXXX looking to collect a bill for {$530.00} for which I know nothing about. The agent on the phone told me they were disposition fees and had not received payment. I told her she needed to collect those fees from XXXX XXXX. She stated that I was the leaseholder and I was responsible for payment. ( Hindsight, I assume now she believed that because of the terms of the contract for a lease RETURN. ) She emailed me a copy on XX/XX/XXXX, which was dated XX/XX/XXXX ( XXXX months after my purchase ) and mailed it to my old address ( which did not forward to my new location -that is a PO issue ) I later found out that GM Financial reported this bill as 30 days past due on the credit report for the month of XXXX.
I contacted XXXX XXXX on XX/XX/XXXX, the same day I spoke with the GMF representative. I sent them a copy of the bill, and THEY paid it.
This was not my bill to pay and as such should not be recorded as delinquent on my credit.
I am not sure why GMF listed my car as a return, or why the fees were not processed with XXXX directly and why the fees were processed so late.
I tried contacting GMF directly, however, the complaint portal states my complaint can not be submitted and to contact Customer Care. When I called Customer Care, they said to use the portal for all issues and hung up. I understand COVID has caused some delays, but I am hoping for a resolution soon.
I ask that you investigate this issue, and have GMF remove the credit bureau XX/XX/XXXX late payment code. The reporting agency is the only one who can remove this incident from my record. I am asking that you correct it so that I am not facing 7 years of a credit ding for something that was not my fault.
I appreciate your help with this matter and look forward to hearing from you.
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| 08/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I purchased a brand new truck in XX/XX/2018 from a GMC dealer. I used GMC financial for the lender. I signed a contract that day. The vehicle could take 2 weeks to arrive. I sold our other vehicle and had the money to advoid having the loan or payoff the loan XX/XX/2018. The dealer said we cant pay the loan off until the vehicle arrives. Unfortunately the vehicle arrived XX/XX/2018. On the same day, l called GM financial to pay off the loan so I wouldn't accrue intrest. GM financial said they have no account and no paperwork to allow a pay off. GM finianial customer care said I would not incur interest because there isnt a loan until they receive the paperwork and have payoff information.
On XX/XX/XXXX we contacted GM finianical to request a pay off. This time they had the information and surprisingly with intrest accruing since XX/XX/XXXX. I was told I couldnt have a payoff before because they didnt have any of the information but they accure interest from XX/XX/XXXX contract. I was told they can take up to 2 weeks to prepare the loan legally. I mentioned it was just shy 2 months to receive any information to even get a payoff amount. I asked for them to change the interest to XX/XX/XXXX when I received the truck. They told me they will not change anything. I talked to 3 managers above the first person. I feel I was denied any kind of payoff and was forced to pay interest for 2 months. I asked what day they received the documents to establish an true account with payoff. They said its showing XX/XX/XXXX but acknowledged this may not be accurate with the information and call times I provided.
My worry is I have had many loans in my life time. I never been told I couldnt payoff an account but been charged interest after the fact by back date. I dont feel comfortable with a loan they dont give me the actual date they truely funded the loan but back dated it. My credit union I have my home mortgage with said that is not normal business for a loan. They would have not charged intrest until an account was established.
If you have time you can be on the 3rd line to listen to GM finiancal explain there is nothing they can do and totally comfortable charging interest and back dating the loan information to fit their needs. If a payoff is not provided until XX/XX/XXXX then there should be interest charged until with in reason of that date. I think millions of people are being defrauded a few {$100.00} each with this non normal practices.
I have received zero information in the mail about loan or payments. I have the account information as of XX/XX/XXXX by calling in. Also, finding out fraud of interest charging and back dating.
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| 09/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through GM Financial who was my lender in XXXX/XXXX/XXXX. After the repossession XXXX did n't follow Texas Repossession Law. I asked GM Financial to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked XXXX XXXX XXXX Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year?
When was the vehicle picked up month & year?
What address was the vehicle picked up at?
Who was the original lender?
What address you send any letters to concerning the buy the car back?
What address you send any letters to concerning the date of the vehicle sale?
What capacity the car was sold in auction, private, bank sale and Date & Month?
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale?
How much was the car sold for at the sale?
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for GM Financial to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I am providing the letter I sent to Gm Financial that they failed to return the information within thirty days ( 30 ) which is by law. For that reason the debt should be removed from my credit report because they disregarded the Law. In fact, I was not given notice when the car was to be sold. They mention it would be sold ten days ( 10 ) after the repossession in which that was a wrong date. The car was repossessed on XXXX XXXX XXXX and sold at a private auction I knew nothing about on XXXX XXXX, XXXX which is about twenty five days later. That is a violation of Texas Repossession Rights.
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| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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Last XXXX I leased my XXXX XXXX XXXX. Immediately after lease the radio and screen in the car quit working and would come on and off as I would drive. Rather than take it in for repair, I decided to continue going to work because I could not be without a vehicle.
From there, the car engine blew on the way home one day and I was forced to have it towed. XXXX did very little make sure I was okay or had a vehicle to work with even though their new vehicle broke down on me and was fully paid. I was without my car and then also did not have a loaner until 10 days later. Due to the fact that I was forced to pay for a vehicle I did not have, I could not afford a rental car and that is what XXXX was telling me to do. Pay for a rental out of my pocket and they would pay it back. Which seems incredible unfair to the blue collared worker or someone who is paycheck to paycheck. Because of this I was forced to go without a vehicle and miss days of work because of it.
Then in late XXXX XXXX I received my vehicle back with a " new engine ''. Upon receiving my new vehicle I was already hesitant to drive it and did not trust it enough to take it on the highway. Instantly when getting the vehicle returned I knew something was still wrong. I called XXXX every single day leading up to my car engine going out for the SECOND TIME in the middle of the road. Luckily I was able to turn the car off, then back on and get home, but never over 40mph. The following day I had the car towed and the dealership informed me they could find nothing wrong and that the memory card had no recollection of the issue and the XXXXCheck Engine Light ' had also not come on. So then I was informed to go get the vehicle once again and use it.
When I returned to the dealership XX/XX/XXXX to pick it up, I was informed the vehicle had issues when one of the technicians drove it so my story was finally viable and they were going to keep it. Again, leaving work early and missing out on hours when a phone call could have saved everything. Simple mistake so not that big of a deal, but once again no loaner was given so I had to XXXX to work once again, taking money out of my pocket that should be XXXX 's. Now XXXX is sending out a field technician to look over the vehicle in an attempt to fix it. Mind you this has been going on for 3 months now and all three months I was forced to pay in full with XXXX not trying to help AT ALL. I have contacted them over XXXX times, maybe daily and have just now turned to the help of other organizations. My case should have been escalated long ago and this company is taking advantage of the every day blue collared worker.
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| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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NOTICE TO AGENT XXXX NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.
I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
|
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Web |
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On the XXXX of XXXX, I XXXX XXXX, and my husband decided to purchase our lease from GM Financial. We went through our bank to make the purchase. A check was mailed to GM Financial with paperwork requesting for the title and XXXX XXXX XXXX to be assigned to our bank. However that is not the way things went. Unfortunately things did not go as planned on the part of GM Financial. They mailed everything to the wrong address, not to the bank nor to us! We have leased 3 vehicle going through this establishment, and I'm not sure a 4th will happen after this! We were given 60 days until our 1st payment would be due, which is now coming up fast. I have requested for some type of compensation considering the improper handling of everything, and I was told they will do NOTHING. They have now requested for a duplicated title, to which they informed me will take about 45 days. Then they can over night it to us, but hey should be sending everything to the bank that requested for the original paperwork. When we were not able to find another vehicle for less then {$3000.00} over MSRP, so we thought to extend the lease. They did not give us any credit towards the residual for any of the 3 payments we made totaling ( {$1000.00} ). When I asked why we are not receiving any credit towards the vehicle, they said that was not the way it works!?
I have the paperwork that was sent to GM Financial which does not request anything to be sent to us only to the bank. It is because of this, we are very confused why it would be sent anywhere else. We were at the understanding that we were dealing with a business that does these kind of things daily ... .what could go wrong, right. Now we will be responsible to make a payment on a vehicle we can not use, which is not fair business. It seems like the only thing they did right with in this transaction was cashing the check that was mailed to them. Now that they have our money and then some... they do NOT care to except blame or do anything to make things better. I requested for the information to reach the CEO of GM Financial to which they refused to give to me directly when asked! I was told that I could look it up for myself using XXXX, or that I could try to find it on their website.
I feel like this could have been handled much better especially with a customer that has done multiple leases, maybe the money means more to them then the customers. They have been paid in full plus more, we should either have our necessary paperwork or think about covering the cost of a rental until everything is corrected, after all they made the mistake that caused all the issue we are dealing with.
|
| 03/24/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American, Servicemember |
|
I leased a XXXX XXXX XXXX in the fall of XXXX from XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX was the sales representative. I would be in the United States for a limited time, probably three years. During that period, my wife would fulfill her XXXX requirements to obtain XXXX XXXX. After this, we would return to XXXX where we live. At about the same time, XXXX XXXX was sold to a hedge fund and its name changed.
My wife received her XXXX on XX/XX/XXXX. And we began preparations to return to XXXX. On XX/XX/XXXX, I telephoned Mr. XXXX to advise him that we would be leaving and get information about the protocols regarding the lease. I subsequently met with him on Friday, XX/XX/XXXX. He advised me that there would be no problem with the lease since GM had an early return program that allowed for vehicle turn-ins up to three months before the end of the lease. Since I was returning to XXXX, he knew I would not be leasing another automobile. Furthermore, I remember he also made a comment in passing that XXXX would mark the last monthly payment. I found that odd. And I also found it incorrect. XXXX was the last installment, paid to GM Finance ( {$480.00} ). All installments were automatic-payments through my bank, XXXX. After the XXXX payment, there were no further payments dispensed to GM. I presumed that the lease was over, just as Mr. XXXX had described. Afterall, some entity in the payment-chain had notified my bank, or no expected further payments to be made. Who did it? GM Financial? XXXX? XXXX XXXX XXXX? The hedge fund? Who?
The car was turned in on Monday, XX/XX/XXXX. It was in very good condition with low mileage ( XXXX miles ). The next day we flew to XXXX. And life continueduntil A received a call on XX/XX/XXXX regarding lease termination documents. I never received any except a document dealing with mileage and the turn-in condition. That was given to me upon turning in the car.
Another call on Friday, XX/XX/XXXX, told me that I had to pay the three months of installments, despite what Mr. XXXX had earlier told me. I then sent an e-mail to XXXX, recounting his earlier conversations with me, as described at the top of this letter. These were my last sentences to Mr. XXXX : I am concerned, amazed and embarrassed that, for some reason, I was mis-advised. And expensively so. I am sure that my recollection of our past conversation is accurate. Please explain.
I still await Mr. XXXX acknowledgement. So maybe someone in senior management could ask him?
With the ending of the monthly payments in XXXX, I assumed that GM Financial was satisfied with the deal as explained to me by Mr. XXXX.
|
| 09/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
On the XXXX of XXXX, my wife and I decided to purchase our lease from GM Financial. We went through our bank to make the purchase. A check was mailed to GM Financial with paperwork requesting for the title and XXXX XXXX XXXX to be assigned to our bank. However that is not the way things went. Unfortunately things did not go as planned on the part of GM Financial. The mailed everything to the wrong address, not to the bank nor to us!
We have leased 3 vehicle going through this establishment, and I'm not sure a 4th will happen after this! We were given 60 days until our 1st payment would be due, which is now coming up fast.
I have requested for some type of compensation considering the improper handling of everything, and I was told they will do NOTHING. They have now requested for a duplicated title, to which they informed me will take about 45 days. Then they can over night it to us, but hey should be sending everything to the bank that requested for the original paperwork.
When we were not able to find another vehicle for less then XXXX over MSRP, so we thought to extend the lease. They did not give us any credit towards the residual for any of the 3 payments we made totaling ( {$1000.00} ). When I asked why we are not receiving any credit towards the vehicle, they said that was not the way it works!?
I have the paperwork that was sent to GM Financial which does not request anything to be sent to us only to the bank. It is because of this, we are very confused why it would be sent anywhere else. We were at the understanding that we were dealing with a business that does these kind of things daily ... .what could go wrong, right.
Now we will be responsible to make a payment on a vehicle we can not use, which is not fair business. It seems like the only thing they did right with in this transaction was cashing the check that was mailed to them. Now that they have there money and much more, they do NOT care to except blame or do anything to make things better.
I requested for the information to reach the CEO of GM Financial to which they refused to give to me directly when asked! I was told that I could look it up for myself using XXXX, or that I could try to find it on their website. I feel like this could have been handled much better especially with a customer that has done multiple leases, maybe the money means more to them then the customers. They have been paid in full plus more, we should either have our necessary paperwork or think about covering the cost of a rental until everything is corrected, after all they made the mistake that caused all the issue we are dealing with.
|
| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I leased a truck from GM back in XXXX of XXXX with a monthly payment of {$250.00} a month for three years for a grand total of {$9000.00} to be paid off by XX/XX/XXXX of XXXX. I paid the {$250.00} a month early every month and paid the last three months in XXXX of XXXX. I was sent a XXXX balance statement and I turned the truck in a week early with XXXX XXXX less miles then the lease allowed amount and the truck was in perfect shape with no scratches or dents. It was so nice that the guy that inspected it wanted to buy it. I thought everything was complete until three months later I was notified by XXXX XXXX that I supposedly owed GM financial {$590.00}. I never received a bill and had no idea I owed them money! I reached out to the company right away but was unable to talk to a real person for at least a week. I tried other numbers but to no avail. Finally after waiting for more then an hour I finally reached a real person. She then transferred me to someone else and then again and then again. Finally a women who did not give me her name said she could help me. I asked her about the charge and she said that {$300.00} was for excess use which she immediately said she could waive. then I asked her about the remaining charge and she said it was a lease ending fee. I told her I had no idea and she said she would send me a bill. After waiting another two weeks for a bill I started the phone calls again. I left my cell phone number and my email which when they did call me back they would only call my house phone number and leave a message to call them on the 800 number. I was always at work when they called. Another month went by and finally one day I was at home to answer their call I talked to a gentleman who once again didn't state his name. We went through the whole process again and he said they would definatly send me a bill and an address to mail it to. I received the bill five days later and immediatly sent the payment. This whole process took months and my credit rating was destroyed because of it. I was told that once I paid the bill my credit would be restored to where it was. Now I find out that it's going to take seven years to restore my credit rating. I'm a person that ALWAYS pays his bills and ALWAYS pays them early. Now because big business GM financial can't treat a consumer properly and they make it almost impossible to reach them my financial ability to apply for a loan or a mortgage has been deminished. I would like my credit rating restored now not in seven years. I'm XXXX XXXX years old. I might not live long enough to wait for the credit agencies to make it right!
|
| 03/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I am a respected professional in the community and have spent my life building a positive reputation. Nevertheless, I have been informed that you have been maliciously spreading inaccurate and unfounded information that is damaging to my personal and professional character.
1 ) At the time GM repossessed the XX/XX/XXXX XXXX XXXX, I was not made aware that I was in default. Furthermore, I was not notified that because of the default the XX/XX/XXXX XXXX XXXX was at risk of repossession. These conditions were stipulated in our contract.
2 ) GM Financial did not notify me prior to selling the XXXX XXXX XXXX. This is another condition stipulated in the contract and it is also required by State Law : Florida Statute 537.012 ( 3 ) 3 ) GM Financial sold the XXXX XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt.
4 ) GM Financial breached our contract in that they charged me {$100.00} for late charges. Our contract states : Five percent of the part that is late. My payment was {$270.00}. So a late charge would be {$14.00}. GM forced me to pay {$2400.00} over our contractual agreement to not repossess the vehicle. They caused the financial hardship to my family that forced the repossession.
GM breached our contract that stranded me and my family. GM sold the XXXX XXXX XXXX without notice and far below market value. Now GM Financial is reporting inaccurate information to the credit bureaus to injure me. Under the laws in the State of Florida, it is unlawful for an individual to make deliberate statements that intend to harm a persons reputation without factual evidence or based on hearsay. The defamatory statements include, but are not limited to, the following : the damaging, injurious, slanderous comments, content, and depictions GM has been reporting / publishing to the credit bureaus.
GM Financial sold the XXXX XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt. GM Financial fabricated a debt that they have already charged off.
I presume it is their business model. It is similar to a Federal Court case they lost. Apparently GM Financial does this exact same routine on a regular base : They repossess a vehicle then force their customers to pay inflated fees and inflated prices of the vehicle to remove it from their credit report ; at the same time receiving the tax benefit of charging it off.
|
| 10/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have contacted GM several times over the past year regarding online bill pay issues and my issue has never been resolved. In the past year, the payment system had issues, went down, reported the incorrect amounts due, the auto pay stopped working for us on only 1 of our accounts ( we have 2 loans through GM and money is taken out of same bank account ). At one point for 2 months, I received a message through the online portal that the system was experiencing issues and " nobody would be charged a late fee or be reported to the credit bureaus ''. This was a lie.
I have attempted to resolve this issue several times with no success due to never being able to figure out what the issue is with the customer service team. Now my credit report states that I have been late in XXXX, XXXX, and XXXX. I have another account through GM with the same bank account, and have never been late. This account is the only one I've had issues with and getting them resolved seems impossible. My perfect credit score has been ruined from this experience. The lack of customer service is appalling and uncalled for. I just spoke with a woman on the phone who did not listen to a word I said and basically told me I was lying about what I was telling her and arguing with me at every turn. Instead of trying to understand, she just kept interrupting me and finally I asked to speak with a manager. I was transferred to XXXX who was equally as unhelpful.
Previously, last week on XX/XX/18 I spoke with a man in customer service who told us that the past due amount was {$40.00} and we could pay it online and all would be fine and all would be caught up and if we disputed the issues on the credit report, he would enter a note so that the errors were corrected. He never said that we had a past due PAYMENT. We paid the amount of {$40.00} and now the system says we owe over {$1000.00}. I can not seem to get a straight answer of what happened or where the error occured because I'm not being heard. Because of this, my credit score has been affected and I believe that is unfair due to the fact that I have been calling in and communicating via the online system and still am having issues that clearly haven't been resolved. This is one of the worst experiences I have ever had paying any of my bills. I'd like to have this resolved immediately however the only thing I am hearing from the customer service department is " I understand, there's nothing we can do over the phone. '' The manager also said she wasn't responsible for what her employees say and told us he failed to write notes in the file based on promises that were made.
|
| 10/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
GM Financial recently established a payment arrangement with me, allowing a two-week window for me to come up with {$1100.00}. However, just one week later, I received an unexpected phone call. In my attempt to explain that they had previously made a payment arrangement with me, I felt a sense of confusion and frustration. Politely, I expressed my gratitude and ended the call.
My journey with GM Financial began back in XX/XX/XXXX when I started to fall behind on my payments. The primary reason for my financial struggle is the loss of my job, a position I had held for over a decade. As a single mother, I faced the added hardship of being denied unemployment benefits and anxiously awaiting my appeal date, leaving me without any income since XX/XX/XXXX.
Reflecting on these challenging times, I can't help but think back to the early days of the COVID-19 pandemic in XXXX. If my financial hardships had occurred during that time, perhaps my vehicle wouldn't have been at risk of repossession.
The underlying stress in my life was exacerbated by a painful divorce that was instigated during the pandemic. My ex-partner moved out on XX/XX/XXXX. Prior to my financial struggles, I had responsibly placed a significant {$15000.00} cash down payment on my car, consistently making on-time payments for 16 consecutive months before falling behind.
Considering my investment of over {$25000.00} into this vehicle, which I've owned for nearly two years now ( with XX/XX/XXXX marking the two-year anniversary ), it's disheartening to realize that the remaining balance on my car loan stands at a staggering {$31000.00}. With a lien on the car due to that substantial down payment, the recent and abrupt repossession by a towing company, without proper lien verification at an intrusive hour of XXXXXXXX XXXX was both unexpected and unsettling.
What compounds the situation is the lack of communication from GM Financial. Despite my repeated requests for necessary documents, I have not received any response or acknowledgment. Additionally, I haven't been informed about the possibility of retrieving my personal belongings from my now-repossessed vehicle.
As a single, unemployed mother of XXXX, my XXXX daughter, who is a XXXX XXXX XXXX was recently deprived of her means of transportation. I had to take back my old XXXX to ensure I have a vehicle available for my family. My son, who is XXXX years old and has XXXX XXXX, relies on us for care and stability. In these trying circumstances, I am earnestly seeking understanding and support from GM Financial to navigate this challenging chapter in my life.
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
RE: REQUEST FOR REMOVAL OF LATE PAYMENT, FCRA VIOLATION, AND CONSIDERATION OF ARBITRATION
DEAR GM FINANCIAL,
I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO ADDRESS A PRESSING MATTER CONCERNING MY ACCOUNT WITH YOUR COMPANY. SPECIFICALLY, IT PERTAINS TO TWO LATE PAYMENTS REPORTED ON XXXX XXXX AND XXXX XXXX FOR THE ACCOUNT WITH THE REFERENCE NUMBER XXXX.
I WOULD LIKE TO DRAW YOUR ATTENTION TO THE FACT THAT THE LATE PAYMENTS IN QUESTION IS BEING INACCURATELY REPORTED ON MY CREDIT HISTORY. THIS INACCURACY HAS LED TO SIGNIFICANT FINANCIAL HARDSHIP ON MY PART. MOREOVER, IT APPEARS THAT THIS INACCURATE REPORTING MAY BE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT (FCRA), WHICH EMPHASIZES THE IMPORTANCE OF ACCURATE AND FAIR CREDIT REPORTING PRACTICES.
GIVEN THIS SITUATION, I KINDLY REQUEST THE FOLLOWING:
1.REMOVAL OF THE INACCURATE LATE PAYMENTS: I RESPECTFULLY REQUEST THAT YOU PROMPTLY CORRECT THE INACCURATE LATE PAYMENT ENTRY ON MY CREDIT REPORT. THIS CORRECTION IS CRUCIAL TO PREVENT FURTHER DAMAGE TO MY REPUTATION AND FINANCIAL STANDING. IT IS MY BELIEF THAT THIS REQUEST IS REASONABLE, GIVEN THE DETRIMENTAL EFFECTS OF THE INACCURATE REPORTING.
2. ARBITRATION AGREEMENT: WHILE OUR AGREEMENT INCLUDES AN ARBITRATION CLAUSE DETAILING DISPUTE RESOLUTION PROCEDURES, I WISH TO EMPHASIZE THAT ARBITRATION CAN BE A RESOURCE-INTENSIVE AND COSTLY PROCESS, PARTICULARLY FOR THE CREDITOR. IN THE INTEREST OF PRESERVING A POSITIVE BUSINESS RELATIONSHIP AND MINIMIZING UNNECESSARY EXPENDITURES, I HOPE TO RESOLVE THIS MATTER AMICABLY AND AVOID RESORTING TO ARBITRATION.
I GENUINELY HOPE THAT WE CAN REACH A MUTUALLY BENEFICIAL RESOLUTION BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY CORRECTING THE INACCURATE REPORTING, WE CAN UPHOLD THE PRINCIPLES OF FAIR CREDIT REPORTING AND AVOID UNDUE FINANCIAL AND LEGAL BURDENS.
I KINDLY REQUEST THAT YOU RESPOND TO THIS LETTER WITHIN 15 DAYS TO CONFIRM YOUR COMMITMENT TO RECTIFYING THE INACCURATE LATE PAYMENT ON MY CREDIT REPORT. YOUR COOPERATION IN THIS MATTER WILL BENEFIT BOTH PARTIES AND ALIGN WITH THE PRINCIPLES OF FAIR AND ACCURATE CREDIT REPORTING.
I PLACE SIGNIFICANT VALUE ON OUR BUSINESS RELATIONSHIP AND THE OPPORTUNITY TO MAINTAIN A POSITIVE CREDIT HISTORY. SHOULD YOU REQUIRE ADDITIONAL INFORMATION OR DOCUMENTATION TO FACILITATE THE RESOLUTION OF THIS MATTER, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX. I APPRECIATE YOUR ATTENTION TO THIS IMPORTANT MATTER AND ANTICIPATE A FAVORABLE RESPONSE.
SINCERELY, XXXX XXXX
|
| 02/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I paid my car loan off in XXXX of last year ( 2015 ) and I still have not received the title from GM Financial. That 's over 6 months. I paid XXXX payments on a 60 month loan and I feel I should have the title by now. I have received no communication from GM Financial about the loan since I paid it off.
There was an issue with the XXXX payment. A couple of months after I sent the last payment to GM Financial I got a call from a nasty little girl telling me that my account was 81 days past due. Since I had made more payments than the loan called for and all of them had been made on time I believed her to be a scammer trying to steal money from me. I told her as much. She continued to attempt to get me to give her money but after talking for a few minutes she then changed her story and admitted to receiving the payment but lied and said the check had bounced.
To make a long story short, the young woman had no suggestions as to how to rectify the situation except for me to give her money. All she offered to do was send me a list of payments. I already know every payment made to GM Financial so that was of no assistance.
I came up with my own solution since the big bad poorly run financial services institution was incompetent and unable to run its business. I first checked with my bank to see what the story was with the check. They confirmed what I knew to be true, that the check had not bounced or otherwise been rejected for any reason. They did, however, tell me that the check had never even been presented for payment.
My next step was to send a replacement check along with a letter explaining the situation. I took the steps to do this, on my own time and at expense to me personally. GM Financial actually rejected the delivery! So, once again, at the expense of my own money and a great deal of time I found another address for GM Financial and resent the letter and the check to the new address. This time the letter was accepted and the new check was cashed.
I also received a letter from GM Financial indicating they received my inquiry and that they would look into it and get back to me. That was several months ago and I have received no communication from GM Financial since.
I did check my credit report and it indicates that I made XXXX payments late, which is untrue, and that I still owe {$45.00}, which is also untrue.
I need GM Financial to fix the mis-reporting to credit bureaus and to provide me with my title. At this point I also feel I should receive some damages for my out of pocket expenses and the injury to me personally and reputationally.
|
| 08/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XXXX XXXXXXXX XXXX I went on a medical leave of absence due to my XXXX XXXX from my employer XXXX XXXX. Located in XXXX, XXXX After making a phone call to Gm Financial 's customer service department to inform of the XXXX and attempt to make deferment arrangements, I was told that I could not obtain a deferment due to no payments being made on the account. I then called GM Financial again and spoke with a different representative. After explaining my situation to him, he obliged to helping. He advised that he could assist me if I could make the XXXX payment which was due XXXX/XXXXXXXX before XXXX XXXXXXXX XXXX I was advised to download the GM Financial app to my cellular device for faster payment service. A payment was initiated and processed on XXXX/XXXXXXXX @ approximately XXXX EST. The payment was made by XXXX XXXX XXXX XXXX my sister ) and was from her XXXX XXXX XXXX XXXX checking account ending in XXXX. The app asked for a XXXX digit account number, which XXXX XXXX XXXX XXXX XXXX not have XXXX digit account numbers, they are XXXX digit account numbers. On the XXXX XXXXXXXX XXXX My sister advised that she did not see the payment pending on her account and suggested I call GM Financial, which I promptly did. I was transferred to the " online Department '' who advised me that the payment was recieved and was not late and would be posted by XXXX EST. On Friday XXXX/XXXXXXXX the same representative that advised that I make the first payment in the amount of XXXX gave me a call to set up a deferment for XXXX and XXXX of XXXX. I advised him that my official return to work date was XXXX and that I'd be able to catch up. The representative set me up with the deferment and gave me a pin number. When I tried to follow the link to put the pin number in, it said there was no match to the account. I attempted to contact GM Financial on Saturday XXXX to find out their offices closed at XXXX EST. I attempted to call on XXXX and got an automated message saying " Due to unforseen circumstances, our offices are closed and will reopen tomorrow. I then contacted GM Financial again, Tuesday XX/XX/ and was advised that the payment was not recieved, stating that the account number " was not found. The payment was immediately mafde via telephone representative with the very same account number and was processed immediately. To no fault of my own I now have a missed/ late payment recorded on my credit file. This has plummeted my credit score 75 points. Not to mention my daughter XXXX XXXX XXXX is the cosigner whose credit score plummeted 92 points because of this.
|
| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I am never late missing a payment to GM Financial on my car loan. I set up Auto Pay when I first got the loan. I have been on Auto Pay ever since and have never had to worry about my car payment. The bank account that I use, I use solely for bills. I have money direct deposited in, and then auto pay kicks in for my bills to pay each time every month. I have never missed a payment. I don't check my bank account very often, since it is a working flow of payments. I decided to check my bank account one day, and realized that my car payment had not been taken out of the account for the past few months. Worried and concerned, I quickly logged into my GM Financial account and saw that the Auto Pay had been turned off automatically. I never gave GM Financial permission to turn off the Auto Pay feature. I was not notified that the Auto Pay feature had been turned off, and was not aware that my bill was overdue. I did not receive a letter in the mail, or a phone call to notify me that my statement was overdue. I had no idea that I was behind on my monthly payments. As soon as I discovered this myself, I paid the full overdue balance and re-enrolled myself on the Auto Refill Program.
Fast forward, and I found out that my credit score dropped XXXX points, and my father 's credit score ( who cosigned on the loan ), dropped XXXX points! We were extremely upset that this was all due to the Auto Pay being turned off without knowing, and the missed payment on the account.
I called GM Financial and they told me there was nothing they could do about it. They said I was notified via email from " XXXX XXXX '' that the Auto Pay was shut off. I checked my email inbox, spam and junk folders, and I never received an email from XXXX XXXX. They told me that I turned off the Auto Pay on XX/XX/2020 and that a confirmation email was sent to me. I never turned off the Auto Pay and never received any emails from XXXX XXXX to notify me that Auto Pay was turned off. Of course, I told them I was extremely upset, because if I knew I turned off Auto Pay, I would have paid my bill right then.
They told me that there was nothing I can do to dispute the derogatory mark on my credit report, due to me not paying my bill on time. I am extremely upset because I have never missed a payment in my life, and now my credit score and my father 's credit score have been extremely impacted, since GM Financial did not communicate with me that the Auto Pay was turned off. This will affect our credit scores for years to come, and impact our interest rates if we ever want to buy a home or a car.
|
| 12/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2020 my lease with GM Financial ended. The leased vehicle was grounded at the local GM dealership on XX/XX/2020. In XX/XX/2020 I received notification from GM financial of the remaining balance due on the account. It included a grounding fee that I believed to be incorrect as the dealership indicated they would purchase the vehicle and I would not be charged a grounding fee. I worked with GM Financial and explained this issue and in XX/XX/2020 I was given a 30 day deferment on payment in order to work with the dealership and continually told that I could defer payment while I worked with GM Financial and the dealership to resolve the issue. However, due to the COVID-19 Pandemic, it was impossible to discuss this with someone at the dealership and I was not able to reach anyone by phone. In XX/XX/2020 I spoke with the agent explaining the issues. I indicated that I would be mailing an initial payment soon thereafter and then setting up recurring payments to take care of the balance within the 12-month repayment window. In XXXX, I was notified by a credit monitoring service of a late payment on my credit. I immediately called GM Financial and was told by the representative that GM did not issue a late payment flag on my credit. I left it at that and continued to make payments, paying off the full balance in XX/XX/2020. I contacted GM Financial on XX/XX/2020 to try and resolve the issue and have the late payment flag removed, however, the agents indicated that they could not do this as the payment was late. The request was made to GM Financial on the grounds that there was significant confusion by the representatives based on the deferments and the fees charged and who the responsible party was for those fees ; the fact that a global pandemic had resulted in closure of most businesses and the inability to discuss this issue with the dealership in a timely manner ; financial impacts to my family due to reduced income ; a clean payment history for the life of the lease ; and the complete payment of all charges and closure of the account. I believe it to be unjust to flag my account with a late payment given all of these factors and I believe GM Financial to be in the wrong given the confusing and misleading information that was provided to me despite my continued effort to work with them and provide them accurate and timely information. I believe that GM Financials predatory nature during a time of global financial instability and their poor training for customer service representatives led to the confusion that resulted in a late payment.
|
| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that GM Financial reported a late payments/negative information regarding my account XXXX.
I am requesting that this late payment ( s ) be assessed for accuracy.
Since I have disputed information with GM Financial, I feel this is there way of retaliation to damage my credit report.
This incorrect listing has damaged my credit score and questioned my credit worthiness to the extent that it may be concerning to my employer. It is extremely embarrassing and has adversely affected my reputation.
For your reference, I have attached copies of the required documents that corroborate my claim.
I returned a vehicle to GM Financial sometime in 2014, as a voluntary repossession. I received to letters from them regarding there process, which indicated if the car was sold, I would still be responsible for the negative balance.
I do not recall receiving any documentation to when the car was sold, and how much the car was sold for.
Please take a note of the dates and update my account status at the earliest convenience. Also forward a copy of my updated credit report to my address, stated above.
Also, in response to the phone call/letter received *lender* on *date* I am requesting validation of this debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation request, I am asking that all instances related to this account must be immediately deleted and completely removed from my all 3 credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Thank You
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| 02/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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To whom it may concern, My name is XXXX XXXX, and I have a serious complaint against GM Financial. My GM Account Number is XXXX. This complaint begins with the derogatory credit reporting of my XX/XX/2019 payment.
I scheduled a payment on or around the XX/XX/2019. I called GM Financial between the timeframes of XXXX XXXX-XX/XX/2019, and there was no indication that there was a problem with the processing of the XX/XX/2019 payment.
I received a called from GM Financial 's automated system on Monday the XX/XX/2019. I immediately returned the call. I reached a representative and from the beginning of the conversation the representative was clueless about the call from GM Financial.
I advised the representative that I just received a call from the automated system. After a few minutes, the representative asked about the two payments that were past due. I advised the representative that I received a confirmation email that XXXX 's payment is confirmed. Letter from GM Financial was emailed to me on the XX/XX/2019 which provided Confirmation # XXXX dated XX/XX/2019. The letter even stated that no further action is required regarding this payment.
There was no indication from GM Financial at the timeframes that I called indicating that there was a problem with processing XXXX 's payment. When I called, the representative advised me that the checking account number entered was incorrect. I entered the correct checking account number. There was no information from XXXX XXXX stating account number was incorrect.
I did reach out to XXXX, but I did not feel that it was their error because I received a confirmation of payment received. I want my credit reporting corrected for the month of XX/XX/2019 because I made the payment on time. The support of my honesty is that I made the payment as soon as I arrived home on the XX/XX/2019.
Additionally, when I called to make the payment by phone before the XX/XX/2019, there is no specific information that was given in regards to charges for the online payment. I was advised at different times previously before this situation that there was a charge for web payments, and there is a charge via the automated system.
The payment that was processed for me on the XX/XX/2019 was no charge. I used my debit card for this payment. Now if I would have known that there would be no charge for the online payment via debit card, this situation would not have happened I am looking forward to hearing from you in regards to the correction of my derogatory credit reporting for XX/XX/2019 by GM Financial.
Thanks XXXX
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| 02/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My specific issue issue is : GM Financial monthly statements. Inconsistent, incorrect.
No way to view records without spending hours on the phone, and still only have only words in a phone, no records, nothing in writing.
GM Financial statement balances.
XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX First payment was due XX/XX/XXXX.
Payments I've made : XXXX XXXX {$1.00} Trace # XXXX XXXX XXXX {$16.00} Trace # XXXX XX/XX/XXXX {$1.00} Transaction # XXXX XX/XX/XXXX {$440.00} Transaction # XXXX XX/XX/XXXX {$500.00} Trace # XXXX XX/XX/XXXX {$1500.00} Trace # XXXX XX/XX/XXXX {$1000.00} Trace # XXXX After noticing my GM Financial statement balance was increasing as I was making at least double payments, I had tried to contact GM Financial to get a transaction history report.
Transaction history for a major financial account should always be available to customers. Without having to ask.
GM Financial told me on XXXX XXXX phone call that they could not tell me why my balance was increasing when my payments were double the required payment.
On the same call on XX/XX/XXXX, the GM Financial rep told me that it would take at least ten business days to generate a transaction history report and mail it to me. When I asked why, I was told that the transaction history reports were " backordered ''. And that the billing system was having a lot of inaccurate account information. So, many people were wanting the transaction history. This call also took ove one hour to get this info. Unacceptable I called again on XXXX XXXX, XXXX.
Again, I was told they have no idea why my balance would be increasing. Again, I was told it would take seven to 10 business days to get any kind of transaction history.
Again, I was told they are aware the billing system had been reporting incorrect information. This call also took over one hour to get this information. Unacceptable.
So, I have no way, as the consumer to see my transaction history?
I have no way to see that my payments are being applied properly or how they are determining what my remaining balance is?
I have no way to compare GM Financial account records to my own records?
UNACCEPTABLE!! UNSATISFACTORY!!
These are some huge red flags. How is this legal? How would anyone trust this company with any financial responsibility?
How does a major financial institution operate in this manner?
An investigation should be conducted. Immediately. Clearly I'm not the only person affected by this. Seems illegal.
Please help.
Thanks
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| 09/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I went in to XXXX XXXX XXXX in XXXX Georgia to buyout my leased car in XXXX. It seemed to be like a smooth process until a month later when I realized my tags had still not been sent to my address. No one at the dealership told me I needed to go to the tag office to request tags not did they provide any other information as to what else was needed for me to do. I went to request a tag extension since my tags were due to expire XX/XX/XXXX and it was XX/XX/XXXX at this point. At the tag office they informed me that I was not even in the system! The dealership had not processed ANY of my paperwork. Not only this, but they hadnt done the inspection, oil change, or emissions test that was required for every purchased car so I had to run around for a week trying to figure out how to get these items done. Still nothing from the dealership. I called several times and everyone said theyre were going to figure out how to process the paperwork but they didnt even realize the emissions hadnt been done until the XXXX of XXXX, 2 days after my tags expired. So I needed to get the emissions done and file the paperwork myself and 10 days after my tags were expired I was finally able to get tags.
Now its a few months later and I get a call from GM financial about an overdue balance on the leased card, which the dealership was supposed to pay! So I have a huge reduction from my credit score because of a balance I was never supposed to pay. The dealership has been the most difficult to deal with, the management has no idea what they are doing, they are super unprofessional in how they have handled the situation and with their customer service. They stopped taking my calls at one point, werent getting back to my voicemails, and when I spoke to the management in charge they gave me such an attitude as if this whole thing was my fault. Yes, they did repay me for the emissions test and the inspection and tags I had to pay for, but for the inconvenience and stress I should have been given more. I am appalled at the situation and I can not believe how unprofessional they have been and how stressful buying out my lease has been. They have serval times said they would do something and it never happened until I harassed them to do so or had to just do it myself. I had to get another dealership to even send in my emissions test so I could get my tags, so this is just disheartening and sad. I need this taken off my credit ASAP and I want nothing else to do with this dealership. I hope all XXXX dealerships arent like this because this is ridiculous.
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| 03/11/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I leased a car from XXXX XXXX in XXXX and was financed through GM Financial for 3 years. I received a letter from GM saying I could end my lease early at the beginning of XXXX. I then purchased my car on XX/XX/XXXX. I wanted to stay with the same people who handled the lease for me, but they had moved to XXXX XXXX in XXXX. I asked them to handle the purchase for me and they put the loan through XXXX XXXX XXXX. I received a letter from GM Financial saying my lease loan is paid in full. The letter is dated XX/XX/XXXX. I received a balance sheet showing the check was applied on XX/XX/XXXX and I owe {$0.00}. I have a car Title in my new lenders name and I have a letter from XXXX thanking me for purchasing my car. GM Financial is putting on my credit report I owe {$2500.00}. I have spoken with XXXX XXXX who put the purchase through, XXXX XXXX, the GM of the Dealership, several people at GM Financial and an assistant to the VP of GM Financial, XXXX XXXX and she told me she would take care of it. As of XX/XX/XXXX I am still getting hits on my credit report and this has been going on since XX/XX/XXXX. I don't understand the way I have been treated. I am the customer and GM Financial acknowledges they made a mistake. Instead of taking care of this for me like I was told they would, I have been talked to horribly. I have been talked down to, my credit has been damaged, it has dropped over a 100 points and I have been lied to over and over again and for no reason. I never thought a company like GM Financial would treat a customer like this. They acknowledge the mistake, but so far have not fixed it. This has been going on since the first week of XXXX and I feel I have been more than patient. I would like this problem to be resolved, because it is damaging my reputation. XXXX XXXX told me it could take the credit companies a month or so to report the correction on their end, but GM Financial has not even stopped reporting the false accusations that I owe them money, because I received another credit alert on XX/XX/XXXX saying GM Financial put it on my report that I owe {$2500.00}. I was told from the GM at XXXX that I would be receiving a letter from XXXX XXXX saying it was taken care of. I haven't. The last time I spoke with her she said she may have forgotten to sign off on it, but she would. So far, she hasn't or GM wouldn't keep posting it to the Credit Bureaus. Please help me to get this error corrected. It is damaging my life. I don't understand this, I am the customer and all I did was purchase my car.
Sincerely, XXXX XXXX
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| 04/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I am writing to insist that 3 inquiries/late comments on my credit report from GMC Financial be reviewed and withdrawn and expunged. These all relate to a final bill for my GMC XXXX, XXXX truck lease that was sent to me in XX/XX/XXXX and then inexplicably marked past due in XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX, XXXX ( 60 days ).
The final bill was received in the mail in XX/XX/XXXX. The bill was higher than anticipated and included unwarranted charges. At that time, I immediately contacted GM Financial. The agent agreed and told me that the final balance would be reduced. I requested a written confirmation. The agent said : " We don't do that '' to which I responded : " How do I know that the bill was in fact reduced without a written confirmation? ". The agent then advised me this would be confirmed in writing.
In the months following I received several automated robo calls in which I was asked to enter my social security number in order to review the specific issue. I responded to the calls by repeatedly requesting that a bill with the reduced balance be sent to my home address. The calls were impossible to authenticate and I was inclined to not provide my social security number because I was never asked to provide the GMC lease number that appeared on my monthly statements while the lease was in progress.
It was not until XX/XX/XXXX before I received any additional communication in writing from GMC Financial. GMC 's records confirm that no other written communication was sent to me. This was confirmed to me on the phone by a GMC representative. Once I received the statement in XXXX, XXXX, I responded and the bill was paid in a reduced amount shortly thereafter. The reduced amount was what was originally agreed to in XXXX, XXXX. BUT not until XXXX, XXXX was the reduced amount submitted to me in writing.
My credit report/rating was negatively impacted for this same final bill as it was reported three ( 3 ) times as past due on XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX ( 60 days ). Again, ONLY in XXXX, did I receive written confirmation of the actual final balance in a reduced amount.
I require that these 3 faulty inquiries/reports on my credit report be reviewed and withdrawn/expunged. I am writing to this agency in an effort to correct what I believe to be a frivolous practice by GMC Financial. I contend that this methodology of billing is a clear violation of the Fair Debt Reporting Act and The FDCPA as it shows a careless and improper course of conduct by GMC Financial.
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| 04/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I took this car loan out XX/XX/XXXX. When the loan was taken out I advised that they can not call my place of employment under any circumstances. I put it on the application and all documents for me and my wife. I had to make a welcome call to GM and give them consent to call my cell, por and my wife 's cell. At which time I advised do not call either POE. Every month when I talked to them you have to verify your phone # and give consent to call. At which time myself or my wife would advise no calls to POE. The agent would always say it is marked. I had no issues until I became sick and fell behind. I kept in constant contact with GM advising of my issues and scheduled payments. I was sitting at my desk one day at work and an agent comes to get me and said the customer is asking to speak to you and will not give any information. I advised please transfer to my desk and I will talk to them. It was not a customer it was GM. They called into XXXX ( my employer ) through a customer line and asked for me until they were transferred to me. When they first called they heard the monitoring disclosure and each time an agent talked to them ( XXXX ) they heard this as well plus heard this from me. They knew they called a customer line and was being recorded. This is my issue. They knowingly with intent called the customer # to cause harm, embarrass, and put my job in jeopardy by calling. The call is recorded and over XXXX people are now privy to my personal information because GM broke the law by knowingly calling in on a customer line and pretending to be a XXXX customer to get to me. Issue XXXX on XXXX XXXX late night my vehicle was taken from my driveway. I thought it was stolen. No G M illegal repossessed my vehicle. I was late, yes I admit that I was 45 days late with a payment scheduled through GM XX/XX/XXXX. I was in constant contact with them and they were aware of the payment plan. They took the vehicle with no notice and a payment pending in their system which would have brought it less than 30 days delinquent. I want XXXX XXXX things to happen. 1 GM gives me all funds paid on the vehicle, takes it back and marks it as paid in full. 2 GM provides me with a paid in full letter and we go our separate ways. GM breached my confidentiality by calling in on a customer line where over XXXX people now have access to that call and personal information. If these XXXX options do not fit for them I am open to hear what they have to say. If need be I will sue for breaching my confidentiality willfully with the intent to cause harm.
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| 07/03/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against GM FINANCIAL for furnishing false and misleading information to my consumer report as means to bring harm to me and my financial reputation. This account is listed as a CHARGE OFF on my consumer report as shown in attached Exhibit A. This is false and misleading. I am aware the definition of a charge off, pursuant to 7 CFR 1956.54, is " the writing off of a debt and termination of collection activity without release of personal liability. I am also aware that once a debt is cancelled, it not becomes gross income. Gross income does not belong on consumer reports. Also, pursuant to 26 USC 61 ( a ) ( 11 ), gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I have never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar in which the identifiable event occurs. If GM FINANCIAL has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I, in fact, received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 USC 1681s-2. If GM FINANCIAL has filed a 1099C form with the IRS and is continuing any kind of collection activity, as defined under 31 USC 3711 ( e ), by performing any of the following conduct : administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure ; GM FINANCIAL is committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am fully aware and am invoking my right as the consumer to demand the audit trail in accordance with 12 USC 5562 ( c ) ( 10 ). This includes accounting documents, transactional history, account file, and/or ledgers. I would need this product of document material as documentary evidence in order to properly address this subject matter, and without this documentary evidence, there can be no validation of such debt. Furthermore, in order to validate this alleged debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, Basel 3, and UNCITRAL conversions. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
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| 08/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I leased a vehicle with GM financial in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it.
However GM Financial since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including GM Financial.
GM Financial computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with GM Financial. When I call GM financial they keep apologizing and say that their records show I owe property taxes on the car, which GM Financial knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet GM Financial continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. GM Financial refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, XXXX and XXXX. All agree this is an error but can not stop GM Financial 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by GM Financial has to end now. I have called GM Financial many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called GM Financial to say no taxes are due, yet GM financial continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.
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| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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To Whom It Concerns : I received a credit alert today ( again XXXX from GM Financial stating that my account is 120 past due, which is incorrect and being erroneously reported to the 3 credit bureaus. I received a phone call from GM Financial the month of XXXX asking for a payment that I did make and to no avail, GM still reported to the bureaus, I was delinquent 120 past due on the XXXX of XXXX. On the XXXX of XXXX, GM Financial reported that the account was a charge off. Today, on XXXX XXXX GM Financial reported that I am 120 days past due. GM received payment from me, $ XXXX from my insurance ( as the vehicle was totaled in an accident ) ; as well as, GM received money from my warranty YET they are still reporting twice a month which is against FDCPA rules. I have attached a copy of this information to this report. In addition, I was told over the phone by the representative that the account would not be closed if I made a payment, yet as you can see on this credit alert I have attached, after GM Financial took the payment- they turned around and reported the account CLOSED-CHARGE OFF. Now, they are still sending late notifications to the credit bureau??? I am going to sue GM FINANCIAL pursuant to misrepresenting the amount of the debt ; ( 2 ) repeatedly calling me to annoy me into making a payment and reporting this erroneous information after received payments are collected and the company is still reporting false information to the credit bureaus. I receive calls from GM first thing in the mornings, all day, evenings and EVEN on the weekends- Sunday 's for XXXX Sake! They have threatened me saying if I do not make a payment, the loan would be charged off-yet I made a payment and as you can see from the attachments they reported it 'charged off '' after they received a payment in XXXX!!! Additionally, I keep having to block their calls because they are constant. Each time I block them, they call from a different number and the viscous cycle starts all over again!!!! Notwithstanding they have collected monies from my warranty and were supposed to notify me of the amount, they have not and are misrepresenting the amount of the debt!
GM has continuously reported to all the bureaus false information more than once every month for several months. If I am correct, this is a violation as well, they will send false information one day and then turn around and report something different the next. Please see attached proof and pay special attention to the dates GM is reporting!!!!
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| 08/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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Team, I originally obtained a 4 year lease with GM Financial in XX/XX/XXXX for a XXXX Escalade for payment of approx. {$1600.00} a month. ( This in itself was deemed extortionate and further more I was sold a 3 year maintenance contract which is an additional issue just brought to my attention ). In XXXX I began a search for an alternative vehicle at a more competitive price and eventually found one which i purchased and now meant I would need a lease assumption with GM. I advertised on XXXX and obtained the criteria from GM to move forward in XX/XX/XXXX. I found a qualified buyer in XXXX and followed to procedures during which time GM kept defaulting my account into a past due status which meant i was unable to move forward and I lost the qualified buyer. The same happened in XXXX when i again provided a qualified buyer signed all the paperwork and GM alleged XXXX lost the documents and so therefore the transaction was unable to be completed. Fast forward i am now within the last 12 months of the lease and no longer able to meet the criteria and am stuck with the lease payment through the fault of GM. GM deliberately stalled the process and despite speaking to all 3 departments they continued to give me the run around and also contacted XXXXXXXX to have my advert removed. Its clear GM did not act in an honest and timely manner in addition to at one point harassing me in an attempt to reposes the vehicle despite it being always in state of good payment, in my possession and insured. The Customer Service Department, Lease Assumption Department, Total Loss Department and the Collections Department all have documented detailed call records to support my conversations but yet they all seemed not to be in contact with one another which to me seems like negligence on GM 's part or a blatant attempt to confuse and deceive me as a customer into remaining stuck with the Lease agreement. I would like this investigated please and for GM to be responsible for taking back the vehicle with no negative report on my credit as it was their errors that led to my lease assumption not going through. I even purchased another identical vehicle and everything was timed perfectly for the transfer until GM caused the process to breakdown and I am now stuck with 2 car payments till XX/XX/XXXX. I constantly had to chase them to try to complete however they are quick to harass me despite asking to be removed from their call lists when i changed payment dates.
Thanks for your consideration Regards XXXX
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| 10/09/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
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Web |
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To whom it may concern, The XXXX XXXX that I leased for 36 months was turned in to XXXX XXXX XXXX on Wednesday XX/XX/XXXX. There were some additional items that I did not agree found during the final inspection that had been done weeks earlier. The Sales Manager XXXX XXXX assured me that he would take care of those discrepancies, which he did, and I walked away from the car. I have leased many times in the past and that was all I ever had to do when the car is turned in early and well under the mile allowance, I have always had great customer service from them. Some weeks later I got a call from GM financial saying I still owe for the vehicle, yet I hadnt received a final bill. The agent stated an amount. I disagreed with the amount stated because XXXX XXXX assured me this was all done with a XXXX balance. I figured it was a slip from communication from the Dealer to GM Financial. I then had XXXX XXXX call again to see how much the balance was because I knew there was still the matter of a disposition fee. I was right there and listened to the conversation. He was told XXXX balance. The person he talked to was XXXX at extension XXXX. She also said that the final bill was not generated yet and I will be receiving one soon. So Again, I was expecting a bill for the disposition fee. On XXXX, I sent a payment of XXXX to Gm financial. This was the Disposition fee. This was, I was told, The last obligation of the lease. And they said that the derogatory remarks on my credit report would come off. It was strange it took this long to figure it out, but again, I thought it was just a time factor. My biggest concern is that my exceptional credit record of NEVER missing a payment of my thirty plus years of credit record, that GM Financial by no fault of mine can damage my character by reporting that I have missed a lease payment that was not due to them. I have made numerous attempts to right this. I have been told by both the dealership and GM financial that there was a zero balance.
Since my numerous attempts to right this have failed, I have since involved the Better Business Bureau.. I was hoping that this would get resolved before incurring the added expense of my Attorney. Be assured, my confidence in ever purchasing or leasing a vehicle through GM has been tarnished. Unfortunate, because I really did enjoy the car and the customer service provided by the Dealership. Also, I have made numerous attempts requesting a supervisor to contact me. None have. I would appreciate a reply.
|
| 01/16/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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As a big believer, when you go to replace your car or truck, I was so exited to replace my truck for another truck, razon why??, is because start to put much money in repairs and I diced to replace for another and get better payments, at the bigining tell the owner, How much you give me for my truck he says the best I can go is XXXXdlls and i believe him, after that you have to sign the many papers you have to sign, I did because most of the time you do not have the time to read word by word for those papers they tell you this is for this and this and this just sign rigth here, so you believe in them, so 2 months later I found out he give me only XXXX dlls, and I try to fix it with him and special the financial person and always no I do not remember, really, so I try to make my payments wich was XXXX dlls high that i use to for the other one, when i was really clear I want lower my payment tha 's why I diced for lease this time, after two years diced to return it because I can not handle the payments, I return the truck, nothing happen, 8 months later they send I bill for XXXX dlls, and back that time two years ago, I was in other situation so I can not continue paying this truck because they lie to me, I was filling they involve me with the bla bla bla way they use to try to make it happen the sell and I do not press to much attention and I fill was distraction on the way they offer me the truck, in particular the person in charge of the financial part, so now is in my credit record that I supust own them that type of money, they sell the truck all ready to another and now I can even apply for another car loan, they say is gone a be for ever, no body want to give a car, I family for GM, and I fill really bad with my person because I do not take the time to read everything, I was under believe that my 1st payment was a little high because I do not put money down so when the second payment came that 's when I found out, I really hope who ever concern to this matter any body can help me because they abuse the TRUST always we put on them when we go get any type a car, I really for more exited we can be at that moment we have to take the time to read everything and they tey try to tell you best deal, week and all the things they use for convence us, so tha 's what happen and they tell me in some delers you do not get a car easy any more and is in my credit report and has been affect me, one more time, I do not happen to any one special in my XXXX community any where in the USA.
|
| 09/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
Older American |
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This case has to do with a lease disposition fees I contacted GM financial customer service, and XXXX XXXX VP Customer experience with negatives results. Filed a better business Bureau complaint with negative results.
I have been a XXXX XXXX lessee since XXXX renewing a new lease every two or three years. I intended to do the same this year when my lease a ( XXXX ) XXXX was scheduled for return on XX/XX/XXXX. In late XXXX, preparation for the return and shop a new XXXX, I made countless calls to the dealership XXXX XXXX but they and other dealerships in the area were closed due to Covid-19. I contacted GM financial and was issued a two month extension.
Please take Note that in XXXX and XXXX GM financial was broadcasting TV advertisements targeting new buyers and NEW lessees with discounts for the XXXX XXXX despite the dealerships being closed. There were no offers for current lessees.
I live on a fixed income since I retired in XXXX and need a car to drive to doctors appointments and ( 5 ) hours of XXXX XXXX three days a week. I had very little time to wait and so decided to lease a XXXX XXXX instead because the dealership was open, allowed a test drive and made an offer where my payment was a few dollars less than my current lease payment.
I received a bill from GM financial for a disposition fee of {$430.00} because I did not purchase or lease a new GM citing the clause below ; " Costumer leasing Act Disclosures : 4. Other charges ( not part of your scheduled payment ) A. Disposition Fee ( if you do not purchase the vehicle and we do not waive the fee under Item 23 ( t ) {$390.00} 23 ( t ) Disposition Fee Waiver : The item 4A Disposition Fee will be waived if you purchase or lease a new General Motors Vehicle when this lease ends. '' If you check my history you will find that I was current on all my payments, and that my credit rating is in the XXXX and above. I was a XXXX XXXX XXXX who used discretion in deciding on whether to XXXX XXXX XXXX and individual using the letter of the law or the spirit of the law. GM financial is using the letter of the law in there one sided contract. It is a punishment for not buying or leasing a new GM despite their neglect of making lease offers to current lessees.
Its interesting that my tax dollars went to bail GM via the TARP in the financial crisis on XXXX and they wont waive a XXXX charge cause by the pandemic such greedy XXXX.
Thank you in advance for considering my petition.
Respectfully submitted
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| 03/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American |
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After turning the vehicle in at the end of my lease, vehicle was XXXX miles under allotted miles, vehicle was in great shape. Received letter from GM financial on itemized breakdown of the remaining amounts due on my account. No charges on excessive wear, past dues, lates fees etc. but I was charged on one fee and that was, a Disposition Fee. I was not informed at the time of signing about this fee, this fee was buried in with all the other lines and numbers, a total of approximately 100 different entries and was not reflected in the final numbers at the bottom of a 2 foot lease. Also, when looking for the definition of, Disposition fee, I found it under the return of the vehicle about two thirds into the XXXX worded back side of the lease, one small line stating, " the item 4A disposition fee unless this fee is waived under item 23 ( t ). ( 4A being the disposition fee buried on the front of the lease as I stated earlier in my letter but fee not being shown in the final numbers. ) Now going down to 23 ( t ) it states, Disposition Fee Waiver : The item 4A Disposition Fee will be waived if you purchase or lease a NEW General Motors vehicle when this lease ends. NOW think about this, I am being charged {$390.00} dollars for Disposition fee, .XXXX XXXX for past due payments, and {$23.00} for tax, Totaling {$410.00} dollars due. because I didn't buy another vehicle from GM. This is legal extortion!!!!! How can a government allow a company to charge someone a large expensive fee because they either could not afford to purchase a new vehicle again or was not happy with the vehicle ( GM ) they purchased. When I told GM financial in a phone call that this fee was not presented to me at the time of signing and I did not initial the disposition fee line stating that I was aware of this fee, that this was legal extortion and I would not pay the XXXX. They, GM financial then stated that this would go on my Credit Report for non-payment. Now, I own a restaurant, why should I not be allowed to charge a customer of mine a disposition fee of XXXX bucks because I found out that they went to a competitor of mine and purchased a sandwich from them. I believe this action by the BIG companies should not be allowed and the government needs to step in and stop this practice. I have filed a complaint with the Attorney Generals office, my local State Representative, XXXX XXXX, my US Senator XXXX XXXX and now here. Thank you for your time, XXXX XXXX, XXXX, MI.
XXXX XXXX
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| 06/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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This compliant is regarding property taxes bill for a leased vehicle that was located in XXXX, TX ( XXXX County ). The vehicle is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I've reached out to GMs customer service team several times and several different ways since XXXX. Several times I was told someone from the property tax dept would contact me within 72 hours regarding my questions below but I have not heard back and I want this resolved so I can pay the bill. I am disputing the two property tax charges until it is corrected/my questions below are addressed.
1. Per my contract, the value of my vehicle is {$27000.00} ( See page 2 of GM Chat pdf date : XX/XX/XXXX ) but the property tax bill reflects an assessed value from GM of {$70000.00} for XXXX ( See XXXX XXXX png email and attachments XXXX************* and XXXX********* pdfs from the XXXX XXXX team ( date XX/XX/XXXX ). That needs to be corrected and rebilled at the contracted/correct rate. When will this be corrected?
2. Why are previous years listed on the property tax invoice? My vehicle is a XXXX. ( See XXXX pdf from the XXXX XXXX team received on XX/XX/XXXX ) 3. Why do I have multiple property tax charges : one for {$300.00} and one for {$190.00}. GMs XXXX XXXX team sent a copy of an invoice for {$190.00} ( which is billed incorrectly because of the value listed ) but did not send one for {$300.00}. ( See GM invoice pdf dated XXXX XXXX, XXXX ) Contacted customers service via text : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( twice ) Contacted customers service via phone : XX/XX/XXXX Contacted customers service via email : XX/XX/XXXX Contacted customers service via chat : Possibly XX/XX/XXXX did not take screen shots so I am not sure, but that is one of the days I called XXXX County. I was told I needed to contact my local tax office.
XX/XX/XXXX I contacted the XXXX XXXX Tax office ( for the City of XXXX ) twice and both times told the taxable value is determined by the leasing company who sends the info to the appraisal district. They bill they send to the leasing company is based on the value they receive from the leasing company so there is nothing they can do. Reference XXXX XXXX XXXX XXXX regarding property tax for leased vehicles in the City of XXXX County.
Additionally, I submitted questions and a complaint regarding the lack of response to my questions to GM Financials complaint department via their online form on their website. Exact date unknown it was between XXXX and XXXX.
|
| 09/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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On XXXX XXXX 2016, I received an online offer for GM Financial 's deferment program. I was approved for the program that would defer payments for XXXX 2016 and XXXX 2016, and apply them on the end of the loan. This would allow my account to remain in a positive status. I was advised that interest would continue to accrue, but the late fees would be waived. I accepted GM Financial ( GMF ) offer and agreed to pay a processing fee of {$270.00} by XXXX/XXXX/16. I paid the processing fee as agreed by the due date. I was approved for the deferment when my account was 28 days past due. However, GMF reported my account as 30 days past due status to XXXX. I contacted GMF on XXXX/XXXX/16 and spoke with " XXXX '' who advised me that this was impossible, as GMF has n't reported any updated account information to XXXX. Nevertheless, I disputed the late payment with Equifax on XXXX/XXXX/16 and XXXX/XXXX/16. The following is a timeline of GMF payment status changes to XXXX : XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " not more than two payments past due '' XXXX GMF reported my account as " Pays as agreed '' XXXX GMF reported my account as " 30-59 days past due '' My account is being reported as 30-60 days late with XXXX and XXXX as well. I have disputed the error with them, but my account continues to fluctuate between a positive and negative status similar to XXXX.
I have contacted GMF on the following dates regarding this issue : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 Each time, I have spoken with a different representative, each claiming my account is not being reported late. I received GMF " credit-reporting letter '' XXXX/XXXX/16. However, the account was still being reported as negative. Thus, I submitted a complaint to GMF complaint department five days later requesting the error be corrected and I be forwarded documentation regarding its resolution for my records. I have not received a response. The account remains incorrect.
I am extremely frustrated with this process. I am unable to reach a resolution by calling, writing, or disputing. I am disappointed none of the GMF customer service representatives took the initiative to take ownership to correct the issue. I have not been 30-60 days past due as the deferment was approved prior to my account being 30 days past due. Any assistance would be greatly appreciated.
|
| 03/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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Below is the letter I have emailed and submitted by online complaint.
I have also explained this and much more on many phone calls as well.
GM has a very serious problem with communicating with a customer once a problem is identified.
A month or so back I made a verbal complaint and I have a case # of XXXX.
I have not had any luck at all with these methods.
Please review this and let me know how we can resolve this.
Thank you, GM FINANCIAL, XXXX. # XXXX I am contacting your because I want to resolve the problem with my account and have always been willing to do so.
I paid off this account on XXXX XXXX 2020. I printed a confirmation at that time. The next day I received an email confirmation stating that no further action is required your words not mine, I printed that as well.
On XXXX XXXX 2020 on received the Title to vehicle in question in the mail. It is a clear title in my name with no lien.
On XXXX XXXX 2020 I received an email stating you had great difficulty contacting me which is not true- this is the first notice I had that there was any kind of problem and it did not state what the problem was.
I called to see what the problem was and your agent told me that my check bounced. I will not put up with an accusation like this from anyone, especially when it is not true.
My bank always calls me if there is a problem with any of my accounts because they do not want to make me mad.
Since then I have called several times to try to get this resolved. Your people are not trained very well and are not willing to report this to someone who can help resolve this problem.
I will be glad to pay you the {$6200.00} that you did not get the first time if you will produce 3 things.
1 A letter guaranteeing that GM Financial will not report any negative information about me and this account to any and all entities and persons and guaranteeing that GM Financial will remove any negative information that has been reported to any and all entities and persons about me and this account.
2 An explanation of how this happened why you waited so long to contact me.
3 Some kind of credit for my damages. I have not been able to use and enjoy my vehicle because you have informed me that my vehicle would be repossessed and I have had 2 repo companies contact me regarding this issue.
I am always negotiable and am willing to live up to my part of this thing.
It will take reasonable communication from GM Financial to do so.
Thank you, XXXX
|
| 10/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
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On about Fri, XX/XX/2023, I call XXXX XXXX ' customer service asking about the alleged account for my automobile. GM Financial claimed I owed them money so I asked for the original contract that I signed with them so that I can tender the account. They didn't not send it. GM Financial sent me the purchase contract that I signed with XXXX XXXX of XXXX. According to XXXX, XXXX received payment for the Agreement ( Debenture ) and also transferred the debenture to GM Financial as the company who purchased that said debenture. XXXX said their transaction was completed with the day of the purchase. Nowhere in my contract names XXXX XXXX XXXX as my creditor nor have I sat down with any agent of GM Financial to create any agreement. If I did it wasn't given full disclosure on XXXX XXXX ' involvement and to my understanding that makes the contract unconscionable.
On Tues, XX/XX/2023 XXXX XXXX XXXX repossessed my Truck ( Automobile ) using a company named Loss Prevention Services at about XXXX. I first called GM Financial and spoke XXXX agents. XXXX # XXXX which was the XXXX agent I spoke to informed me that the debt was Charged Off. After I put them on notice that they weren't supposed to take my truck according to 15 USC 1692e ( 4 ), she said that GM Financial had a lien on the truck and didn't know what a XXXX XXXX XXXX filing was. I told her that XXXX should have filed that in order to repossess my property. She wasn't sure so she transfer me to her supervisor XXXX # XXXX. I spoke with her and she confirmed that there is no UCC 1 lien and no warrant signed by proper authorities to repossess my Truck. They refused to return my Truck knowing these facts : XXXX. that they are not the owner my truck, nor do they have permission from me, to repossess it 2. There is not a Proper Lien on the car nor a Judge signed warrant for the property 3. Has not provided proof of claim that I owe them or that they gave me a loan 4. Is collecting security interest on a debenture and requiring me to pay them more on a contract I tendered with XXXX and which also they claim was Charged off.
XXXX. Has broken the law knowing that repossession on a debt is illegal So far the only documents GM Financial has sent was a copy of my contract with XXXX and a letter that wasn't notarized from a responsible party. This has put me in an awkward position and is causing me unjust hardship. I'm a single mother of XXXX and a veteran. Please help me resolve this issue.
|
| 12/20/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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DEAR GM FINANCIAL SERVICES ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 06/26/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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|
Web |
Older American |
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RE : GM Financial report to credit bureau To whom it may concern, Our lease was ending in XXXX of XXXX. During this time, we were all sheltering in place due to COVID-19. Since the car was not being used, we turned the car back to the dealer approximately 1 month prior to the end of the lease. We did however paid off the lease to avoid any credit issue. We asked the dealer while dropping off the car if there was any other fees we needed to pay and we were told no, that everything was ok. The car was in perfect condition and the mileage was under our contracted limit.
During this time, my spouses salary was decreased to 80 % of her regular salary and my contract work was put on hold indefinitely. Needless to say, we were experiencing financial hardship.
About 1 or 2 months later, we received an invoice from GM Financial for approximately {$500.00} for lease end. We were experiencing financial hardship so I tried to negotiate the bill by explaining that if we were not experiencing the pandemic and the ramifications that came along with it we would have traded the car in for another BOLT ( EV ) and therefore would not be billed for returning the vehicle.
I paid half of the bill ( {$250.00} ) and continued to try and negotiate the other half. GM Financial wouldnt hear our plea therefore we eventually paid the balance after a 90 or 120 day delinquency despite the fact that we were experiencing financially instability.
Fast forward to XXXX, the economy is trying to get back to normal and employees are being asked to come back to the office physically, we needed to again have an additional vehicle. To our surprise, we have a negative on our auto credit report through XXXX bringing our score down to XXXX. This negative report and a low XXXX XXXX score is costing us thousands of dollars more throughout the life of the new lease.
We have NEVER been late throughout the length of our loans ( GM FINANCIAL, XXXX XXXX and XXXX XXXX ).
Can anything be done to take off/strike GM Financials negative report? We are responsible and conscientious people. We do not deserve this treatment and punishment.
Another question is, we have always paid ALL our bills on time including the 2 auto loans ( XXXX and XXXX with XXXX XXXX ) that remains in our possession to date, why is it that our XXXX XXXX scores remains in the XXXX?
Your attention and reply to this message would be greatly appreciate.
Thank you, XXXX XXXX & XXXX XXXX
|
| 07/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
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My lease was up with GM Financial on my XXXX XXXX in XXXX of XXXX. At that point, COVID was at the height. You couldnt get a new car and I was an essential employee so I needed a vehicle because I had to go to and from work every day. They were sending out email, which I have copies of, that were offering extensions due to COVID. Basically it was on a month by month basis. During the time, I was paying the lease in full. I wasnt deferring the payments or anything. I was paying to use the car because I needed to use it.
Fast forward to XXXX of XXXX. I finally was able to go get a new lease and turn the old one in. About 3 months later in XXXX I believe, I got a letter saying I owed money because I went over the allowed miles. When I called to dispute this I was told while my lease was extended, the miles were not. The person told me you have to separately ask to extend the miles. I explained why I needed the miles and couldnt understand why I would extend a lease without extend the miles. Why would I pay $ XXXX a month to let something sit in my driveway? They said that didnt matter. I was also told this was only waived for Doctors and Nurses which was insulting because I run a business that was just as essential during the pandemic and worked pretty much 7 days a week for 3 months. I was transferred to a supervisor who said nothing I can say will change this and I owe them the money. There is no way they are waiving the fees.
I am now having issues with my credit and XXXX the problems is this bill. When I called them today, the woman on the phone wouldnt budge again. Claimed I " assumed '' wrong to think the miles would be extended with the lease. I asked if there was anywhere it said the miles dont get extended and she wouldnt answer. Just kept telling me I assumed wrong. Im pretty sure no one would think that in extending a lease, which INCLUDES miles each month, that those wouldnt be a part of it. I have emails they sent out where they offer to extend leases with no problem and nowhere in the email is it mentioned that the miles are not a part of it. I think its sneaky and shady of them to not mention that because I think most people wouldnt even think of it.
I reached out to a lawyer today and it was recommended I send a complaint to CFPB. Ive attached the two Emails they sent at the start of COVID. Youll notice they gladly offer to extend the lease but nowhere do they mention you have to extend the miles.
|
| 04/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I've been a customer of GM Financial for two lease vehicles. I have NEVER been late until XX/XX/2019. I was XXXX with TWINS & me & my spouse was planning to purchase a home because our family was now expanding & we needed more rooms. We were on our way to a meeting with our mortgage consultant & it starts to snow & it turned into a blizzard. A truck zooming by spinned out in front of my husband 's car causing our vehicle to flipped over & hit thr bank. I was 6 months pregnant. They had to cut the top of the vehicle to get me out. My husband was injured & so was I. I had to have an XXXX XXXX. XXXX XXXX, died immediately out of the womb, XXXX XXXX XXXX XXXX XXXX was in XXXX ( I found out about the XXXX baby after I came out of XXXX ). XXXX XXXX died a few days later as well, he was the smallest. I was inpatient in the hospital while my last baby fought for his life. He soon died as well. I was released to a inpatient rehabilitation center, but now it was XX/XX/XXXX. My lease note was due XX/XX/XXXX. To be honest, the last thing that was on my mind was GM Financial. I had just lost XXXX kids & me & my husband were both injured & I had one child at home still. My mom brung my mail to my facility & I called GM Financial to explain the situation via online messenger. I paid it immediately, 32 days past due. I told them that I have a great credit report/score, no late with them or any financial institution on my credit file & asked if they could forgive the late payment as a good will gesture. They denied me after calling about it several times. I even emailed the CEO to explain & her assistants were very rude to me, unapologetic & lacked sympathy. I couldn't believe how they were handling me after this very vulnerable moment. The late marking was accurate, but due to no fault of my own. I had no control of the situation. I would've never been late if circumstances were different. This is the only late marking on my file. All the other institutions were so understanding. This negative marking has ruined my credit profile, has caused me to be denied other credit & low APR 's even with a healthy profile & a credit score of over 740. I have been a great customer to this company. I will never lease with this company again because this one minor thing has shown me how this company feels about me as a client. Out of all the people I've talked to at GM Financial about this, not one has even said, " I'm sorry for your loss. ''
|
| 05/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
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Web |
|
|
On XX/XX/XXXX, I purchased a XXXX Buick Regal that was financed through GM Financial.
The following week, my dealership filed Chapter XXXX Bankruptcy ; hence this caused a delay to obtain the title to register my car.
I began to speak to GM headquarters starting on XX/XX/XXXX ( XXXX XXXX ext. XXXX ), GM Headquarters said they couldnt assist because the dealership was locally owned and operated.
XX/XX/XXXX I called GM Financial to check the status of my loan. I was told the funding manager would not fund the loan until the title was transferred and the taxes were paid.
My loan included the taxes and all dealership funds were tied up in the bankruptcy, so the dealership was unable to pay the taxes.
I personally never seen the title work but confirmed with my dealership they had it as of XX/XX/XXXX.
When I began to work with the Missouri Attorney Generals office, I was put in touch with the dealerships floor financer ( XX/XX/XXXX ).
XXXX was willing to pay the taxes and any warranties, to close my deal.
On XX/XX/XXXX, I called GM Financial Funding dept. I spoke to XXXX and found that GM Financial returned my loan papers back to the dealership on XX/XX/XXXX and my loan was never completed in their system.
On XX/XX/XXXX, ( I spoke to XXXX a funding manager ) I requested a letter for my records from GM financial to state the status of my loan and to be grandfathered into a new loan with another dealership and was told they would not send the letter and they would not be able to help with a new loan that it is handled by dealerships only. ( He referred me to XXXX XXXX XXXX ) Both XXXX and myself left separate messages for XXXX XXXX at GM Financial and I was not provided a call back.
My complaint is that I was discriminated by GM Financial for my dealership filing bankruptcy. I have an almost perfect credit score and should not have any issues with obtaining a loan. I didnt file chapter XXXX bankruptcy so why was I denied the loan without notice.
On XX/XX/XXXX, the dealership closed their doors as ordered by the Bankruptcy court according the Attorney Generals office.
The loan was originally for 0 % interest with a 72 month term.
I was denied a discount for purchasing a new GM/Buick automobile for my troubles ( per the GM Headquarters speaking on behalf of the GM rep that covered my dealerships division ).
GM Financial caused additional ciaos by not funding my loan since my taxes were rolled into the loan.
|
| 10/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
The company XXXX XXXX finance vehicle through Gm financial and they have been a constant pain to work with they have constantly repossess my vehicle. Maybe possess my car more than needed and Im constantly having to pay large amounts of money to return my vehicle back into my possession and its not fair to me or my family that we currently have a vehicle taken off without any notification that the vehicle was repossessed somewhere the company needs to be made to properly notify consumers that they will be taking a vehicle back into the custody the person that told me I could never do it on your door never even said anything at all just took off with a vehicle and it sounds like they had cross the vehicle in the back and hit it hard. And I didnt know that it was my vehicle being told I thought it was just a sweet street to come in to cleaning up the leaves off the street like they did last week here come to find out my vehicle got towed from a unknown area and theres no reason for it every time we did this I had to call the police and reported it stolen because it wasnt fair to me if they didnt give me five notice that they were going to be taking my vehicle back even though my vehicle was him lease was out XX/XX/XXXX ask you should I had enough time to settle my account with the dealership and would you and financials will be in dealer sales will sit down And the lines were busy and they never did answer the phone so now they had a vehicle back in the position and its still defective and Im trying to see if they can either replace all my money or place me in a different vehicle because theres some food in me that I had to constantly be in the service department for this vehicle all XXXX four years of rent in this vehicle or three years and is continuously defective it constantly has to have repairs I just spent {$400.00} on it before they roof assessed it also made a payment I actually close to {$800.00} on this vehicle so Im trying to trying to see if the dealership or GM financial can return all my money that I have paid in to the XXXX XXXX XXXX because the car had a recall her and it was also defective also feel like they get over on me on the cost of towing and storage they took my vehicle to follow locations and I had to call for a ride to get my vehicle back in my position in the field would not return the vehicle back to me after I have paid all the money and I just I just want them to return my money.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, my name is XXXX XXXX, This letter serves as my explicit instruction and written notice.
This account is a billing error. A creditor that fails to comply with the requirements outlined in the XXXX Credit Billing Act forfeits any right to collect from the obligor.
This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error.
What authority do you have to collect debt in the United States?
I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states " Consumer credit contract is any instrument which evidences or embodies a debt arising from a " XXXX XXXX XXXX '' transaction or a " financed sale* as defined in paragraphs ( d ) and ( XXXX ) of this section. '' In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures.
I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. 2017.
Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institution 's policy. Your company 's policy does not supersede federal law. I am demanding that all late payments are UPDATED to " PAID AS AGREED '' and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
I am keeping a careful record of all correspondence-or lack thereof made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication
|
| 08/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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As of XX/XX/XXXX i made a {$500.00} a payment. This was applied to the XX/XX/XXXX payment due at the time. I texted with the XXXX App the next day XX/XX/XXXX as the {$500.00} was applied to the XX/XX/XXXX payment due and then towards the interest on the XX/XX/XXXX payment. Not yet due. The rep i texted with said they'd fix it and reapply the difference towards the principal. After it was corrected i made another {$50.00} payment to the principal XX/XX/XXXX ( before the XX/XX/XXXX ) payment is due and their XXXX system misapplied it again ; It was applied to interest not yet due. I had to text them again about it and they said it would be fixed. Then i had to call to make the request. 3 times this month. I requested a payment history from XXXX after the payment corrections. The math behind the recorded XX/XX/XXXX payment does not make sense with the anticipated amortization that has occurred since i bought the car. It's not on track. ( PLEASE SEE ATTACHED PAYMENT HISTORY SENT TO ME BY XXXX ) Each month a portion of the payment is applied to interest the other to principal. AS an XXXX for a big bank with a business degree i'm fully aware on how amortization works. So with that being said. i'd like to report financial harm being brought on by GM Financial. Their payment system constantly misapplies my additional principal payment with hopes to pay this loan off sooner than the XXXX payments i signed up for. EACH month since i bought the car i've had to call and write them. I believe this is the XXXX complaint about this. I would hope the CFPB is keeping track of this customer nuisance. If you look at the attached payment history you'll see between the recent recorded payment and what was paid in XXXX XXXX XXXX last month vs prior month you can see the trend based on the amortization. For some reason they charged me more in interest on the XX/XX/XXXX payment than they should have. I believe this is attributed to the same funds intended as additional principal being yet misapplied. I believe they are manipulating their payments on purpose to keep people in debt longer at 8 % and not giving credit for the client 's on-time payments with additional funds to decrease the balance. Considering there's a common trend with reported numerous complaint i would hope the CFPB would open a case to inquire about their payment software and billing practices. I'd like to report the financial harm they are causing.
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| 07/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Older American |
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I leased a new car on XX/XX/XXXX from XXXX XXXX. The lease was financed through GM Financial. I wanted to sell my car to XXXX and received an offer for {$20000.00}. When I tried to finalize the deal with XXXX on XX/XX/XXXX, I received an email from XXXX stating that they " are prevented from being able to purchase leased vehicles from this provider ''. They listed a total of 10 providers that they could not purchase leased vehicles from. In further research, I found that GM Financial issued a new policy effective XX/XX/XXXX stating that no GM Financial leased vehicle could be traded in or sold to any other financial entity other than GM Financial. In other words, they restricted me from trading or selling my vehicle to XXXX, XXXX, or any other dealer that did not fall under the GM financial umbrella. That is stated nowhere in the lease and is just an abrupt change of policy to allow GM Financial to obtain the gain that has occurred on the lease due to the rise in Used Car Prices over the past year. It is an unusual situation that has provided much more equity in the leases than usually occur over the life of the lease. It is a complete money grab that disallows the lessee from being able to obtain those funds and prevents the lessee from the freedom of where and to whom they can sell their car. Past precedent has always been that a lessee could trade in or sell their car anywhere they chose and this practice has been going on for years. When I obtained the lease, this restriction was never explained or disclosed to me and was not in effect at that time. This abrupt change in GM Financial 's policy is unfair, egregious, and limits my ability to trade in or sell my car when and where I want to. It is my opinion that they do not have the authority to prevent me from trading in or selling my car. Their only concern should be that they receive the full amount of payments due on the lease so that they are made whole as outlined in the terms of the lease agreement. That is no different whether it is a loan or a lease as both transaction result in a lien notice on the Title. In this instance, XXXX and any other dealer that I try to work with to trade in or sell my car will NOT be able to complete the transaction because GM Financial ( and the other financial entities listed in the XXXX email ) will NOT provide the Payout amount to the dealer and thus will NOT allow the car to be traded in or sold.
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| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I leased a new XXXX XXXX through GM Financial from a dealer in XXXX. At the end of the lease term in XXXX, I returned the car to another dealer in XXXX XXXX, XXXX XXXX. I had purchased and installed four Hakapolita Extreme Weather Hazard-rated tires for additional safety, and kept the original tires in storage bags for the winter season. I returned the car with the original tires in a separate vehicle, ready to be swapped in at some reasonable cost. However, the dealership advised me to sell the tires since the car was " going straight to auction '' and the condition of the existing tires was " good enough ''.
GM Financial sent an invoice detailing excess wear and tear charges totalling {$850.00}, which I immediately accepted and paid in full. However, I disputed the charge for tire wear and tear since they refused the " like-new '' original tires. I informed them of their error via their first phone call to me, but they refused to take my word for it ( despite photographic evidence of new tires still in my possession ), they refused to investigate the issue and refused to get on a bridge call with me and the dealership to clarify the matter, stating that they were " not authorized '' to speak to that part of their organization. GM Financial refused to investigate the dispute ( citing lack of authorization ), then ruled against my claim without an investigation, and soon began to threaten me with consequences for non-payment of what appeared to me to be brazen extortion.
On XX/XX/XXXX, GM Financial flagged my account as 90 days past due and on XX/XX/XXXX, GM Financial flagged my account as charge-off. In XXXX of XXXX, I disputed this ( now ) fictitious charge against me to the credit reporting agencies and, in retaliation, GM Financial then re-iterated the " charge-off '' against me on my credit report with the current date of my dispute, sending my credit score precipitously downward.
At this point, I think the retaliation simply doubles down on the original extortion attempt. I believe they had unfairly ( but accurately ) profiled me as unwitting, unprepared and totally defenseless against them and therefore probably a compliant " mark '' / " patsy '' / " prey ''. And while I was cowed into grudging XXXX of their abuse at first, their recent attempt to " pile on '' and to further brow-beat me has angered and insulted me to the point that I choose to fight back now.
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| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I have been paying for my car with GM financial for over 3 years I have just paid off my {$38000.00} student loan and have been tracking my credit on credit sesame very carefully. I took my last deferment for XXXX and XX/XX/2023 with GM financial and starting XX/XX/XXXX I was to go back to my normal {$280.00} payment with GM financial. I have screenshots of the conversation I had with the representative in XXXX saying that I only needed to pay {$110.00} something and I would be deferred for XXXX and XXXX and to start making payments again XX/XX/XXXX. This means that if I were to pay the {$110.00} in XXXX I would have no late fees for XXXX and XXXX and starting XX/XX/XXXX I will go back to the normal payment. I have photos of the conversation with GM financial I have photos of the payment that was made that I promised and I have photos of my dashboard from GM financial as that is how I make my payments. I have been watching my credit very carefully because I just paid off my student loans with credit sesame and according to them I am 2 months behind on my car payment and I am in Jeopardy of losing my car by repossession. I continue to get on GM financial and all of my statements say that I have over {$100.00} in late fees and I owe over {$400.00} right now which is totally incorrect. I was supposed to make my regular {$280.00} payment XX/XX/XXXX and I have proof on the GM financial statement and for my bank account that shows I made a payment on XX/XX/XXXX of XXXX. My GM financial dashboard as of today says that I am behind 2 months still and I owe over {$400.00}. I have tried numerous times even calling as I don't like to do because that leaves me no proof of anything to try to get this situation dealt with I need to make my XXXX payment but it still says I'm 2 months past due and nobody from GM financial will help me I have constant creditors calling my cell phone so I rarely answer my phone if it's a number that I don't know I also had someone call yesterday and threaten repossession. If you could contact me by email first and then I will call you back that would be appreciated as I don't answer my phone call because so many creditors are calling me right now I'm very nervous my car is going to get taken from me and I just want what is owed to me and that is my dashboard saying what I really owe no late fees and it taken off my credit report I just want to make my payment. Okay hold
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| 07/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. GM FINANCIAL Account XXXX : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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bought the car XX/XX/XXXX from XXXX XXXX XXXX XXXX first payment was to be XX/XX/XXXX.
GM Financial reported to credit bureaus first payment was late and due XXXX.
then they continued to call XXXX times a week and every month XX/XX/XXXX was when i requested a payment history and found that i had multiple payments made that had not been posted.
I contacted GM Financial and provided them with XXXX payments that had not been applied to my account. they requested i send copies of conformation of payments made in an email. I scanned in all documents and sent the email to the address they provided.
XX/XX/XXXX i received mail from GM Financial stating they are starting the process of reposing of the car. it was at that time i called to find out about the missing payments and what we need to do. they said i would have to refinance the car and they sent me paperwork at that time via email and told me to sign paperwork and said i would not have to worry about them calling me every day and my payment would not have to be made at that time for the rest of the month.
i have been calling to find out why payments are missing but never get this issue resolved. i have submitted documentation multiple times and I am never contacted after providing everything requested.
I had made arrangements with the auto dealership that after 1 year I could bring in the car and trade it in for a more suitable one but only after my credit was established.
i was unable to fallow threw with the arrangements due to GM Financial reporting that I am behind on payments.
This had been an inconvenience for our family.
we have had to rent vehicles to continue with the responsibilities and obligations.
I reviewed my credit report and found why I was not able to trade in the car for a more suitable vehicle for my family as scheduled at the time of purchase.
as of today, i have not heard from GM Financial regarding any proof of payments I emailed in at their request.
as of this year, my credit reports now reflect that i was never behind on payments and reflect all payments were made.
THAT DOES NOT HELP ME NOW BECAUSE OF THE FALSE REPORTS ON MY CREDIT REPORT THEY CAUSED OUR FAMILY THE DENIAL OF A MORGAGE AND CAUSED LOSS OF INCOME BECAUSE I DO NOT HAVE THE MEANS OF HAULING A COOKER THAT IS USED TO RAISE MONEY FOR NON-PROFIT ORGANAZATIONS WITHIN THE COMMUNITY.
I will upload supporting documents at a later date
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| 05/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't contact lender or servicer
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Web |
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XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the car was in the shop for over 40 days getting the faulty motor replaced. In XX/XX/XXXX it was " Presumed '' a Lemon and GM on XX/XX/XXXX offered a Collateral Trade. This trade was contingent upon getting my lender to agree to the trade. Since that time I have called GM Financial on many occasions, explaining what I needed. They would note my account pass me on to various department and no further action would be taken. Occasionally I would get someone who had some idea of what department could help me, and I would hold for long periods of time just to hit a dead end. Someone would give me another phone number to call which just got me to the same main line. In XX/XX/XXXX of this year, my Dealer Rep. XXXX XXXX of XXXX XXXX received instruction from GM Financial to complete a collateral trade info packet and fax it to them. After faxing it two different time, we had confirmation that the package was received and they would contact me when they were ready to move forward. After numerous emails to XXXX XXXX in Loss Mitigation, XXXX responded on XX/XX/XXXX and said she could initiate the dealer exchange process, as long as I understood that they would NOT issue any funds for the exchange, which I agreed that I did not expect them to do that. On XX/XX/XXXX my attorney who is representing me for the Lemon Law negotiation submitted a Letter of Representation to GM Financial per their request before they would talk to him. Following that GM Financial will not talk to me since I have representation, however they also are returning calls to my attorney and we are unable to get any status updates or answers. General Motors has now closed my claim due to no action and my attorney is indicating he can't complete the transaction he negotiated because my lender is non responsive, but he needs to be paid since the attorney fees due to him were built into the lemon law case.
The dealership and my attorney have provided GM Financial with all the requested documentation that they have been asked for in a very timely manner, then told that they would initiate the trade approval, and since then nothing, which could now cost me thousands of dollars in attorney fees because my lender refuses to give approval on what is obviously a good deal for my loan. A XXXX XXXX clearly holds a higher value than a XXXX XXXX with XXXX miles on it.
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| 12/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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XX/XX/2016 XXXX XXXX GM FINANCIAL XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim MY ACCOUNT WAS CHARGED OFF {$18000.00}.
By not replying in a timely manner to my initial letter on XX/XX/2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
I will be seeking up to {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.
Please Note : This notice is a XXXX attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter sent to Gm financial in XXXX, Tx. the did not only respond or provide requested documents as requested in the letter above.
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| 07/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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There were two issues that occurred with GM Financial. I have been in contact with a customer service representative on multiple occasions without being able to come to an agreement on this matter. To summarize, GM Financial arbitrarily changed the terms in my signed lease contract and increased the monthly payment more than what was agreed to, and subsequently did not notify me of the changes in payment terms. Please see below for more details.
First, per the signed lease, I agreed to pay {$460.00} on XX/XX/XXXX, followed by 35 monthly payments of {$460.00} due by the XXXX of each month. GM Financial has been billing me over the agreed amount, {$460.00} since XX/XX/XXXX. Due to this, the balance of my account has been increasing by {$6.00} every month since XX/XX/XXXX. This is because I have been auto-paying the agreed to monthly payment of {$460.00}, while GM Financial has been charging me over the agreed to monthly payment. Please note I have not agreed to any changes in the terms. Since XX/XX/XXXX I have accumulated a {$32.00} on top of my monthly payment. This balance will continue to grow each month. Unfortunately, If I were to pay the increased payment and the back due balance, I would be put under financial stress. Additionally, this change would cost me a total of around {$160.00} more than what I expected to pay for my lease over the life of the lease.
Second, GM Financial did not notify me that they were changing the terms or the monthly payment amount, resulting in my account balance going up due to the difference between my scheduled payments vs. the increased monthly payment. I found out about the change only when I went to update my mailing address on the customer portal ( GMFinancial.com ) on XX/XX/XXXX. Please note GM Financial changed the payment terms in XX/XX/XXXX. This has resulted in {$32.00} in underpayments according to GM Financial as of XX/XX/XXXX. Due to the arbitrary change in terms and payment amount, and the lack of communication of these changes, I would have to pay {$32.00} on top of my increased payment to balance my account. Had I not noticed that GM Financial had changed the terms until the end of the lease, I would have had to either dispute the balance or settle the account. This would have created a financial hardship. Had GM Financial notified me of the changes up front, I could have responded appropriately at that time.
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| 09/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ).
On or about XX/XX/XXXX, we received a bill from GM Financial for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to GM Financial, and believed that the dealership and GM Financial had worked things out. We didnt receive any more bills after that.
As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with XXXX in XXXX of XXXX. The balance was changed to {$0.00}, but issues remained.
Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ).
This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I contacted XXXX today, they confirmed that these amounts were past due, and they ultimately sent me to GM Financial. GM Financials Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point.
I then left a message for the general manager at XXXX XXXX hours ago, with no response so far.
Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible.
Thank you so much for reading this complaint. If you have any questions, please call. XXXX.
Best, XXXX XXXX
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| 02/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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On or about XX/XX/XXXX, I sent a payment to GM Financial via priority mail using the coupon or remittance slip that came attached to the " statement '' for the amount of {$520.00}.
On XX/XX/XXXX I sent a payment to GM Financial via certified mail # XXXX, it was received by GM Financial on XX/XX/XXXX. The payment was in the form of a coupon or remittance slip that came attached to the " statement '' for the amount of {$1000.00}.
On XX/XX/XXXX I sent an Affidavit of Truth to GM Financial XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX via certified mail # XXXX and it was received on XX/XX/XXXX. I attached a copy of the payment coupon I mailed that same day in the amount of {$1000.00}. The correspondence explained that I understood the laws and my rights and requested that GM Financial honor my lawful tender of payment.
On XX/XX/XXXX I sent a Billing Error Dispute to GM Financial via certified mail # XXXX and it was received on XX/XX/XXXX. I still have not received the proper reply required by XXXX CFR XXXX.
On XX/XX/XXXX I sent a payment to GM Financial via certified mail # XXXX, it was received on XX/XX/XXXX. The payment was in the form of a coupon or remittance slip that came attached to the " statement '' for the amount of {$25000.00}.
On XX/XX/XXXX I sent a second Affidavit of Truth, Notice XXXX XXXX to GM Financial XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX Suite XXXX, XXXX XXXX, TX XXXX via certified mail # XXXX and was received on XX/XX/XXXX. This correspondence quoted several laws alluding to my rights, the violations that GM Financial was making and the remedy I was requesting.
On XX/XX/XXXX, GM Financial sent someone to repossess my vehicle even though I had submitted payments on time and technically have overpaid on the account. GM Financial has violated several laws throughout this process. They have continued to submit negative and derogatory information to my consumer report even though they received the billing error dispute and still have not responded to it. I have tried communicating via phone with GM Financial but I am talked down to, treated as I have no clue what I am talking about and threatened that if I want my car back I have to submit the type of payment that they dictate to me rather than the coupon/remittance slip which is still on obligation of the United States the same as federal reserve note or " dollars ''.
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| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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I want GM Financial to provide a clear title to my car and send a release to the State of Illinois to have XXXX XXXX XXXX XXXX XXXX removed from my title. Either obtain a release from XXXX XXXX XXXX XXXX XXXX or provide a Certificate of Error indicating XXXX XXXX XXXX XXXX XXXX XXXX should not have been added to title.
GM Financial, XXXX XXXX XXXX XXXX XXXX sent the lease agreement to the State of Illinois, Secretary of State so that XXXX XXXX XXXX XXXX XXXX would be lien holders.
Because of the actions of GM Financial, my car title incorrectly listing XXXX XXXX XXXX XXXX XXXX as lien holders.
Background.
I leased my vehicle in XX/XX/XXXX at XXXX XXXX XXXX of XXXX XXXX. My lease payments were arranged with GM Financial. My Lease Payments were made to GM Financial. My vehicle is a XXXX XXXX and was new at the time of the lease transaction in XXXX.
XXXX XXXX XXXX XXXX XXXX was also named as being involved in the lease transaction. I am not certain, but XXXX XXXX may have provided financing as a third-party so that the lease company could purchase the Vehicle. A search of the internet revealed that XXXX XXXX, XXXX XXXX & GM Financial are Partners XXXX XXXX XXXX XXXX XXXX are still listed on my registration & title as lien holders.
I obtained a pay-off from GM Financial and paid-off the lease in full over two years ago. a conventional auto loan to pay-off the lease from XXXX Bank XXXX I refinanced my loan with XXXX XXXX in order to get a lower rate.
My payment summary is as follows : XX/XX/XXXX Obtained Lease from GM FINANCIAL. Lease term was 39 months & the lease was paid-off early.
XX/XX/XXXX obtained a pay-off from GM Financial for remaining balance to purchase the vehicle.
XX/XX/XXXX opened XXXX XXXX account & Paid-off GM Financial Lease Agreement in full .
XX/XX/XXXX Opened XXXX XXXXXXXX XXXX XXXX & paid-off Chase Auto XX/XX/XXXX Chase Auto reported being paid-off Since XX/XX/XXXX I have had a car loan with XXXX XXXX.
XXXX XXXX advised me that they have been trying to obtain a clear title since the account was opened and have not been successful.
Attachments : Email summary sent to GM Financial.
Illinois Secretary of State title information Showing XXXX XXXX on Title Illinois Secretary of State title release information to be completed by GM Financial.
Letters from XXXX XXXX indicating they have no knowledge of a related account.
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| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Gm financial has been reporting late payments on my credit. I didnt give them authorization to release my personal information This has impacted me tremendously and my ability to progress in life. I know that As per FCRA the late payments are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 US Code 168la ( ) ( a ) ).
According to the FCRA, late payments should not be reported as negative information. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.
I feel as though In accordance with the Fair Credit Reporting act GM FINANCIA
L act XXXX XXXXXXXX has violated my Rights. 15 U.S.C 1681 section 602 A states i have the rights to privacy 15 u.s.c 1681 Section 604 A section 2 : it also states a consumer reporting agency can not not furnish an account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer plan as late for ANY REASON 15 U.S.C. 1681 section ( a ) Accuracy and fairness of credit reporting The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. U.S. Code 1666b - Timing of payments.
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These laws are governed to protect the rights of the consumer.Im sending this letter out demanding that you either remove all late payments from reporting with all CRA or remove the account from all CRA from reporting inaccurate information. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of and informing me of the actions taken to address this issue. Additionally, I request an accurate copy of my credit report once the corrections have been made.
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| 09/18/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of t
his title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 01/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I leased a vehicle from GM financial. For three years I made payments on time, and after going through the return process, I made my close-out payment on XX/XX/XXXX. At that point, the account was completely clear. Never at any time was I made aware that GM financial viewed my account as being past due or delinquent.
On XX/XX/XXXX, GM financial notified XXXX ( and probably the other two credit bureaus as well ) that my account was delinquent. On XX/XX/XXXX, GM Financial notified XXXX that my account had been improved. I had had no contact with GM Financial regarding my account subsequent to my last payment on XX/XX/XXXX, so whatever " improved '' the account had nothing to do with me.
GM Financial 's erroneous report of my account being delinquent has decreased my credit score considerably. I have custom-ordered a vehicle, and when it arrives, I need my credit score repaired or I may not get the best terms on a loan.
I have attempted to contact GM financial via their customer service line several times. Every time I've called, I've been notified of unexpectedly high call volumes and gave up after being on hold for 15 minutes or more. On XX/XX/XXXX, I initiated a chat session via their web page, and after a substantial wait, an agent reviewed my complaint and agreed that my account was clear as of XX/XX/XXXX and indicated that I should receive some sort of notification via email that the issue was being resolved within 24-48 hours. Having received no such email, I again attempted to contact GM financial on XX/XX/XXXX via chat ( so the responding agent could see the message thread from the previous interaction ). After waiting over 30 minutes, the agent again agreed that my account had been cleared as of XX/XX/XXXX and had said that he/she had " submitted [ my ] account for review ''. I was notified that the fastest a correction could be made to my credit report would be 30-45 days, depending on the results of the review. I was also notified that the agent could give me no time frame for the review, and I have no way of knowing if it will happen or monitoring the outcome. Furthermore, the chat lasted over an hour.
Because GM Financial crushed my credit without merit causing me immediate financial difficulty, and because GM Financial has provided me no way of knowing when or if the problem will be resolved, I am filing a complaint.
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| 08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have autopay set up on my Gm Financial Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my GM financial autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails GM ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call GM financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing fraud I immediately login into XXXX to find that the GM account was showing 30 days late on two consecutive months. Either way, I call Gm financial to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the GM financial statement showing where the late charge had been credited. Thank you
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| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In reference to account # XXXX I've been asking GM Financial to show that the lease amount was paid in full for over a year. They received a check for a total loss from my insurance company back in XX/XX/XXXX.
I was first told there was a balance after the total loss check of {$1600.00} which is more than it should have been as my insurance company paid the balance according to their records. However, to avoid this being on my credit I paid the balance. Details below : Balance owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX After subsequent calls in XXXX because the lease showing on my credit report was interfering on my mortgage closing, I spoke to another representative XXXX , on XX/XX/XXXX at XXXX PST who worked with a supervisor because he didn't know why they hadn't applied the check they received to my account to close it out. XXXX then told me I had a balance of {$790.00} which I was forced to pay otherwise I wouldn't be able to close on my condo. He assured me it would reflect on my credit report and they would expedite that.
XXXX XXXX XXXX confirmation number of my payment.
XXXX XXXX fee XXXX XXXX owed : {$1600.00} XXXX Loss Mitigation : XXXX XXXX XX/XX/XXXX @ XXXX PST - made payment with rep id # XXXX ( female rep ) Confirmation # : XXXX Incident # 2 : Re account # : XXXX ( I had two leases with them ) There was a single late reported ( I have never made a late payment as my account was immediately set up on automatic withdrawal ). GM financial stopped making withdrawals claiming the ACH was only good for a year, however, that was not true and it was because they were switching over their systems and two different reps told me I wasn't the only one to have this issue. I never received any notification via phone, email born writing. Now I have a late payment reported due to their technological error. As everyone knows that is extremely damaging to anyone 's credit. At the very least they should remove it especially considering I've never had any late payments and two separate reps confirmed it was an issue they were having after switching their systems. I've tried MULTIPLE times with no resolve.
XXXX XXXX XXXX ID XXXX spoke to him about removing late payment reporting to the credit bureau XX/XX/XXXX XXXX PST spoke to XXXX
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| 04/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I am a XXXX veteran who has never been in trouble with the law, always did the right thing, always paid my bills on time so why am I being treated this badly with no recourse by GM Financial? A year ago, I leased a GM Encore for my wife whom is a XXXX. After the first year we decided to get a XXXX XXXX van ; because we needed to use her XXXX ; and the little car was not helping with that ; so we traded the leased vehicle in. XXXX XXXX of XXXX bent over backwards to make this happen. On XX/XX/XXXX they purchased my XXXX XXXX outright and sold me the XXXX XXXX. The Encore was payed off that day. My payoff was good until XX/XX/XXXX. On XX/XX/XXXX my car payment was taken out of my bank account anyway. I had Auto draft. I immediately contacted GM Financial and was told that they did receive the payoff, but they did not know whom to title the car to and that they needed a mileage statement to complete the transaction. I passed this onto XXXX XXXX. On XX/XX/XXXX I again contacted GM and was told that on XX/XX/XXXX they authorized my refund of my car payment and that it will be in the mail the next business day. On the XXXX of XXXX I called again, this time I was told that they had 30 days to get me my money. On the XXXX of XXXX I called them again and after going through all the verification that I am whom I say I am ( this included my phone #, address, etc, I was told that they did mail it out but to XXXX XXXX XXXX not XXXX XXXX XXXX, which is where I have lived since my XXXX from the military XX/XX/XXXX. The owners of XXXX XXXX XXXX stated that they did not receive any mail for me. So I asked XXXX ( GM Representative ) if the check had been cashed and he stated that it had not been cashed. He then stated and I quote " We will OVERNIGHT you a new check, void the old check, and you should have your money in 3 to 5 days ''. Needless to say it is XX/XX/XXXX and I still have not received anything. I have not received a pay raise in 8 years and am struggling trying to make ends meet. My wife and I are raising our Granddaughter as our own plus my own adult daughter has moved back home. I just need some help. Had I been late one day with my car payment, I would have had to pay a late charge, but God knows how much interest they have made using my money and the countless other people they are doing this to. Is there no justice left?
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| 05/08/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I was contacted by GM Financial on XX/XX/19 in reference to a XXXX XXXX and XXXX XXXX. Both of these vehicles I have leased from GM Financial for the past 3 years. These vehicles were given back to the dealership when we purchased new vehicles in XX/XX/2019. I was informed by a collection representative that my XXXX XXXX was 38 days past due and has negatively impacted my credit. I was then transferred to a Loss Mitigation representative, XXXX who was unable to assist me since I was supposed to be transferred to the End of Lease department. Once I finally got to the End of Lease department, XXXX advised me that both the XXXX XXXX and XXXX XXXX were not paid off and confirmed that the XXXX did impact my credit. She then advised me that the XXXX XXXX was 25 days past due and going to report if payment not received. I advised XXXX that both vehicles were returned and I did not have ownership of these vehicles anymore. XXXX advised this is not what was showing in there system and she could not assist me. She advised I would need to contact the dealership. I contacted the dealership and received copies of the cashed checks along with the Remaining Lease Obligation Quote from GM Financial. Both vehicles were paid the correct amount on XX/XX/19 and both checks were cashed on XX/XX/19 however ; I am still being impacted. I started getting daily collection calls until I requested my cell phone number to be removed. I still get daily emails advising me that my account is delinquent and I need to contact them immediately. I have provided all of this information to GM and it is still impacting my credit as a consumer. I do not go past due on my bills and work in the same industry. I understand how important credit is and am extremely frustrated I can not get this resolved. The dealership has done what they needed but I can not get GM to fix this error. During a conversation with my spouse, an agent advised him that the payment for the XXXX XXXX was received and it was posted to the wrong account. We asked them to stop the reporting on our credit until this was resolved and advised this could not be done. I find it hard to believe this can not be done when it is the company that made the error not us. I need to get the collection activity to stop on these vehicles and know that this is resolved so that I can sleep at night.
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| 01/31/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX I sent a handwritten check payment overnight through the USPS with a receipt of proof. GM fiancial started sending me late, no payment received notices on XX/XX/XXXX. On XX/XX/XXXX I called customer service and I sent an email to cxo.resolutions@gmfiancial.com showing the payment was withdrawn from my account on XX/XX/XXXX. I spoke to customer service to get the email on the 12th. I then spoke to customer service 2 more times and sent an email to XXXX XXXX showing proof of withdraw. I never heard from anyone until I recieved another late payment notice in XXXX. ( my statement is how I was contacted ) Again 3 more phonecalls and numerous complaints on GM complaint site, no one was willing to help me. Each customer service rep kept telling me they needed an entire bank statement in order to solve this matter. I sent a third proof of payment again on XX/XX/XXXX after someone in the complaint department reached out. For the first time, I was told the proof could not be an aldered bank statement, nothing blacked out, they must see everything including my deposit and withdraw of payment. XX/XX/XXXX Two more phone calls, one hung up on me, one CSR laughed and put me on hold when I asked for a manager. XX/XX/XXXX My federally insured bank sent proof to me to send on, but GM said it was unacceptable. At my wits end I went back to the post office and they helped me track the bill. IT was delivered and signed for ... XX/XX/XXXX ( MY GM dealership helped me track it down and see who and where it was delivered ) XX/XX/XXXX After a lengthy call ( 1 hour 20 minutes ) I was told the only way to solve this was to give them a rolling bank statement. Through my dealership I found that XXXX is the bill pay company. Finding them on the web and calling, phone disconnected but I found they were bought buy XXXX, which I have tracked down myself. XX/XX/XXXX I called XXXX to share my concern of the missing payment and thank goodness someone there was willing to help. XX/XX/XXXX ccording to XXXX they are working with GM to find my payment. It has been 10 phone calls to GM, 2 to XXXX XXXX, 3 emails of proof, numerouse complaints, and 4 months of searching .. still no resolve and it is hurting our credit report! I am angry and frustrated that GM treats their customers this way and they have a right to my entire bank statement!
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| 02/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I want to make a complaint about a predatory loan with GM Financial. XX/XX/XXXX, I purchased a XXXX XXXX from XXXX of XXXX, the day after I drove off of the lot with the vehicle ( less than 24hrs later ) I had buyers ' remorse, I was still dealing with the loss of my mother and was not in my right frame of mind to make such a large purchase. I spoke to several people in the finance department and told them that I could not afford the vehicle and that I wanted to return it, but they refused to take it back, in addition to this it was the floor sample and the purchase price was {$15000.00}. There was a rebate on this vehicle. ( which I never received ).
( a ) I purchased the XXXX for {$15000.00} ( b ) I gave them a down payment of XXXX.
( c ) I traded in a XXXX XXXX with a balance of {$3000.00}, ( the blue book value was {$4000.00} ).
( d ) After making my monthly payments for 5 years, in the amount of {$540.00}, totaling {$24000.00} ( per GM 's account history ) ( See attachment # 1 ) ( e ) I asked them to pick the vehicle up from the voluntary return location and sell the vehicle for the parts because the vehicle had new tires, a navigational system and other new items that I recently had installed ; after selling the vehicle I asked them to let me know what the balance would be so that I could make payment arrangements on the balance.
( f ) They let the vehicle sit on the voluntary return location for a month before going to get it, by this time a storage fee had accumulated, which they were not willing to pay. The vehicle is still there, ( g ) I asked them if they would make me an offer they refused ; so I offered to pay them {$5000.00} to settle the contract, they refused.
( h ) After tallying the total amount that I paid for this vehicle it come to {$26000.00} ; - XXXX based on their records ( See attachment # 1 ) - XXXX, down payment, - plus {$560.00} missing payment ( my bank statement/See attachment # 2 ) ( i ) After researching I 've found that this company has a history of practicing in a predatory manner and they have numerous consumer complaints ( See attachment # 3 ). I am requesting an investigation and assistance with cancelling the remainder of this loan. Since I 've already given them {$26000.00} on a {$15000.00} loan, and because of the debate that I was promised but never received.
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| 08/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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In XX/XX/XXXX, GM Financial under the guidance of XXXX XXXX, repossessed my vehicle even though I had called them and told a representative ( not XXXX XXXX ) that I would be making a payment soon so that my vehicle would not be repossessed.
XXXX XXXX, a supervisor, still had my car repossessed in the middle of the pandemic. I borrowed money from family and paid the exorbitant fees that XXXX XXXX applied to reinstate my loan. She did this deliberately with the intent to make it impossible for me to recuperate my car.
I am a XXXX. I only get paid when I work. I did not have a regular XXXX position over the summer. I called GM Financial to inform them that I did not have the money to pay for the XX/XX/XXXX and XX/XX/XXXX payment. The representative I spoke to, informed me that my car was not at risk of repossession.
I called again and informed them that I was going to start working as a XXXX again and that I would make a payment in XX/XX/XXXX for the month of XXXX and then another payment at the end of XX/XX/XXXX for the month of XXXX. I then asked for more time to come up with the XX/XX/XXXX payment. The representative I spoke to at GM Financial informed me that he was okay with my payment plan and again told me that my car was not at risk of repossession.
On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX my car alarm went off. I ran out of my home and I did not find my vehicle. I thought it had be stolen because I had already made payment arrangements with GM Financial so I called the XXXX Police and filed a stolen car report. XXXX police officers showed up at my home at approximately XXXXXXXX XXXX to tell me that my car was not stolen but was in fact repossessed by GM Financial. This again under the direction of XXXX XXXX ( the police officers did not tell me this, I found out on my own ).
I was left with no car to go to work nor to take my XXXX son to school nor his appointments. This has caused me a great deal of XXXX and I could not sleep last night.
I am certain that XXXX XXXX is singling me out because I am of XXXX descent. I would like to have an investigation done to verify if in fact, GM Financial under the direction of XXXX XXXX exhibited discriminatory practices when they repossessed my car twice even though I have been paying for it for 5 years and I am 75 % done paying off the car loan.
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| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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I purchased a new truck from XXXX XXXX XXXX in XXXX XXXX Florida on XX/XX/2020. They financed it through GM Financial with the first payment of due on XX/XX/2020.It was a 84 month loan. I didn't hear anything from them about where to send the payment, account number or any communications at all. On XX/XX/2020 I contacted their customer service for information and was told I wasn't in their books at all. Not with vehicle vin #, SS #, or name. They did contact the dealer and was made aware I did purchase the vehicle. I was to receive a call back that afternoon about what had to be done. I didn't receive a call and didn't receive a call on the XXXX. I called their customer service again on the XXXX and went through the same routine, not in the system. This time I was told the paperwork from the dealer had been sent to them but they didn't have it. I was to get a call back that afternoon on the status of my problem. No call again, so I called them again on the XXXX, went through the same no account drill. I told them my payment date would have to be mover out because there was no way I could make the payment on time. I was told I had to make the payment to the dealer. I asked for an e-mail explaining what I had to do and where I was to send the payment. I am still waiting on that e-mail. On the XXXX, I called the dealer to get the information as to where I was to send the payment. They asked for me to bring them cash but I refused. It is about 50 miles one way from my house to the dealer. I mailed the check the morning of the XXXX. On the XXXX I received a call from the salesman who sold me the car informing me GM Financial had lost the paperwork and I needed to come in and sign a new contract with all of the same information. I told him the next free day I had was Friday the XXXX. We agreed on that and I continued my tasks for that day. On the XXXX the salesman called me back telling me GM Financial had found the paperwork and I didn't have to come in. I kept checking my bank account looking for the check to clear but never found it. I called the dealership this morning, the XXXX, and they did have the check and would deposit it today. He also informed me that they had made the payment earlier and that check was to reimburse them although it was GM Financial who instructed me to send it to the dealer.
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| 05/27/2020 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Original Creditor : GM FINANCIAL XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX.
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion.
The insurance did not pay the original amount due to the information that was communicated via GM FINANCIAL. The vehicle had been sold. The title that was presented to my insurance company at the time.
Due to the insurance issues GMC FINANCIAL repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time.
The reason for my complaint is because GM FINANCIAL is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to GM FINANCIAL 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by GM FINANCIAL.
While this issue was going on with the insurance company at the time I also communicated with GM FINANCIAL once a week to keep them informed. I spoke to a representative who was rude, and unprofessional.
Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off.
This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion.
If I was able to resolve this issue with my insurance company at the time then GM FINANCIAL should be responsible enough to understand and remove this fraudulent debt from my credit report. GM FINANCIAL received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident.
I can not control what Fraudulent Lies GM FINANCIAL presumes to fabricate. GM FINANCIAL received a payment. End of debt that is originally not a debt.
GM FINANCIAL will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.
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| 02/20/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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My lease completed in XXXX. LEASE WAS PAID IN FULL. My wife returned the car and received a remaining lease obligation quote after inspection and it stated the amount owed was {$0.00}. I got a call 2 months later saying I owed {$430.00} ( approximately one month of my lease ) for just returning my car. Confused, I argued with the person on the phone. She was nasty, unhelpful and abusive with threats. in previous lease returns, I've never been charged for simply dropping off my car especially when I asked the person who inspected it if there were any charges and they said " NO, you're all good. '' Since we decided against getting another XXXX, we didn't lease a new car from them. That is when apparently they decided to charge me this nonsense fee. After the conversation, our world took a turn for the worst. We own a XXXX and our industry was shut down by our governor for COVID restrictions. I completely forgot about this and never received another bill or notice from them EVER for this ridiculous fee. I went to try to buy a house recently and it showed 1 miss payment on my credit score which dropped it 170 points and is currently hurting my chances of buying a home. It is CRIMINAL that these big companies 1 ) can charge nonsense fees at the end of the lease and 2 ) can disrupt someones life for {$430.00} when I just got done 3 years of lease payments with them without missing a payment. The credit report showed it as " missed payment '' which is nonsense. I called the company and paid it immediately and asked why I didn't receive notice that they would hurt my credit. They had no answer but only to say " You asked us not to call you any more so we didn't. '' THAT IS CRIMINAL. I explained the situation and paid immediately and asked them to contact the credit agency and fix the issue. They refused and simply said it would just show up as paid in 45 days. That is absolutely ridiculous in normal times, but in this Pandemic that has destroyed my business and a good part of my life, it is EGREGIOUS and CRIMINAL They refused to work with me or even discuss the charge when they first called me about it. They were ignorant and nasty. If everyone else has to bend during these times, why can't a financial institution like GM Financial who cealrly hasn't been hurt like XXXX XXXXt XXXX. Its CRIMINAL.
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| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Upon the termination of my XXXX XXXX lease in XXXX of 2020 I received single bill for the residual close out monies owed. I called XXXX and emailed them within a few days of this statement to clarify excess wear and tear on the car since it was in pristine condition upon return. I was informed there was a scratch on the wheel. I requested a new statement given the dispute.
From XX/XX/2020 through XX/XX/2020, we never received another bill, statement, phone call, notice - and I assumed XXXX - wife and accountant settled the existing account even though I disagreed with the initial assessment.
Upon applying for a mortgage this month ( XXXX ) I had no idea that XXXX was negatively reporting a delinquent account - severely affecting my credit - despite over 10 years of on-time payments and customer loyalty as a XXXX owner.
I was never re-billed, contacted or notified that the account was still open. See credit history below. There is no 30 days, 60 days, or 90 days late notification at all. The monies owed was never an issue on affordability and as soon as I found out this was an issue I immediately called XXXX to settle the outstanding account. During that call I asked them to correct this reporting issue given the same discussion points raised in this communication. I also submitted a complaint on line to XXXX regarding the matter.
In their lack of a fair reporting or notification process, you can see the damage it has done to my credit report and XXXX loyalty. Below is the image they are reporting to my credit agencies. I have tried to resolve this matter directly with XXXX and they haven't cared to or bothered to fix this error / issue.
As evidenced through reporting to all three credit bureaus, it shows there is a definitive lack of a notification process for the consumer based on the dates XXXX is reporting. There should be a 30 day late, 60 day late, 90 day late before the major ones they have listed below. That is all that would have been required and had been requested by this consumer and the account would have been settled immediately. ( See attached png. ) I am requesting this single XXXX issue be removed from my credit history. The impact such callous indifference has on long time loyal XXXX customers is indelible but forgivable when they chose to do the right thing.
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| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
GM FINANCIAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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GM Financial continues to attempt to charge me for property taxes on a leased vehicle. I have leased vehicles in XXXX XXXX before and never once was charged property taxes for the vehicle. GM financial has not sent me documentation showing i am responsible for such fees. I did all the leg work and went to the county tax office. They do not understand why i am being asked to pay these taxes. i also contacted the XXXX XXXX XXXX who assisted with the lease and the finance department is not familiar or understands why GM financial continues to try to collect. i traded in my vehicle and paid the previous years taxes only because the vehicle was traded in. Below is the email i sent to GM financial. They have only responded with an advisor calling to tell me that " im responsible '' no proof, no documentation. nothing.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : Property Tax on leased Vehicle Account XXXX Dear GM Financial I am responding to your contact about collecting an alleged debt. You contacted me by phone on XX/XX/2023 regarding an outstanding tax bill.
I do not have responsibility for the debt you are trying to collect.
if you have a good reason to believe that i am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that i dispute having any obligation to this debt. If you stop your collection of this debit, and forward or return it to another company, please indicate to them that is disputed. If you report it to the credit bureau ( or have already done so ), also report that the debt is disputed.
I was advised to contact our XXXX XXXX tax office. I have done so as requested and was informed that i do not have a tax bill that i am responsible for. I also contacted the finance department at XXXX XXXX XXXX in XXXX TX and was informed that they have never heard of such thing and are very familiar with leases completed for GM financial.
As stated above, please provide your documentation that shows i am responsible for this debt. If you find that this was an error, please return the previous years tax bill of {$210.00} to the address above in the form of a check.
Thank you for your cooperation Sincerely, XXXX XXXX
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| 09/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
|
| 05/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX GM Financial XXXX. XXXX XXXX XXXX, AZ XXXX To whomever it may concern : GM Financial Account Number : XXXX I am reaching out in regards to my above listed account and the negative reporting GM Financial has submitted to the credit bureau. As of XX/XX/XXXX I have provided GM financial with my registration cancellation receipt as have requested. The XXXX XXXX vehicle I had financed through them was totaled in an accident. I had purchased the vehicle in XX/XX/XXXX and therefore I should not be responsible for the tax in the amount of {$430.00} tax from the XXXX Municipal Tax Collector. As you can see form the attached documents this information was submitted in XX/XX/XXXX as you requested ( Fax Confirmation ).
My most recent credit report shows that GM Financial has reported this as unpaid and past due. I have spoken with GM financial several times and each time they have confirmed that the tax abetment was approved but they have failed to take any action to have this removed. I have spent several hours on the phone with GM Financial and several weeks waiting for replies. As of XX/XX/XXXX, six ( 6 ) months have passed and they have failed to take action on this. I have also opened several disputes with the credit bureau and each time they reach they have come back with confirmation from you that this amount is in fact past due on my account and the reporting can not be removed.
They have shown to be very irresponsible with how this matter was handled. I have been patient and provided all info they have required, but this matter is affecting me financially as I am unable to refinance my student loans and apply for a mortgage due to this. I am very disappointed that they have not taken ownership to see this matter through and have allowed it to continue for this long. I have requested a simple letter form them to provide to the credit bureau but after confirming they would provide it over a month has passed and I have not received this information.
This will be the last step I take before taking legal action towards them for damages due in accordance to the interest paid in loans that I am unable to refinance and have to pay higher rates on due to this reporting.
I am very disappointed that this matter was not handled accordingly.
Sincerely, XXXX XXXX
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| 07/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Customer has an account with GM Financial. Customer inquired about Relief Program. Customer asked for assistance with his payments due to the coronavirus crisis in his state. On XX/XX/XXXX, customer called to be enrolled for the relief program. Customer was informed that he qualifies for the relief program because customer had never missed a payment since he signed the loan with GM Financial in XXXX of XXXX. Customer was approved for the enrollment and given a pin number to enter on GM Financial website. The GM Financial website system did not allow customer to log in and finalize the enrollment.
I called on XX/XX/XXXX. I also called from XX/XX/XXXX to XX/XX/XXXX and was unable to speak to any of GM 's representative. I send GM Financial a letter to notify them of their system failure explaining to them that their website is not allowing me to complete the enrollment.
Customer sent another letter to GM Financial asking them to help with the enrollment and to correct the inaccuracies on my account statement in XXXX, XXXX. GM sent me letter about debt validation. Customer sent another letter clarifying that he did not ask for debt validation but was asking for assistance in completing the Relief program.
Not once did I claim that I do not owe them. I have been making my payments, therefore, I accepted the debt.
GM refused to assist me and instead sent me a letter dated XX/XX/XXXX, stating that : they are unable to proceed with my request because 1 ) sufficient information to identify the account such as account number, name address and telephone number were not provided 2 ) the specific information the customer is disputing 3 ) all supporting documentation or other information reasonably required was not provided.
However, customer provided GM Financial with all that information. Is GM relief program or assistance during the coronavirus crisis a shell? Do they really want to help customers or hurt them during these vulnerable times or is it because of my last name?
On XX/XX/XXXX GM had my vehicle repossess. I called their XXXX number to asked why they repo my vehicle. I was informed by a XXXX XXXX id # XXXX to pay {$2000.00} if I want my vehicle. What kind of unfair and deceptive practice that is not in alignment with consumer laws is GM Financial practicing?
|
| 07/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Business Information Business Name : GM Financial XXXX : XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Complaint Details I financed an automobile for my daughter through GM Financial in my name in XXXX. My daughter defaulted on the loan and I took over the payments in late XXXX. She was behind on the payments so I asked to refinance the loan but was refused. I worked with a gentleman in collections named XXXX XXXX employee # XXXX for several months making token payments until I was able to bring the acount completly current in XX/XX/XXXX with two payments of {$950.00} each which included late fees etc.. The account was paid through XX/XX/XXXX. I made the regular XXXX payment of {$470.00} on XX/XX/XXXX, 9 days before the due date of XX/XX/XXXX. I noticed late fees were showing on the account bringing the amount due to {$500.00}. I paid {$470.00} about {$5.00} over the amount due which should have been posted to principal. I inquired once in the month of XXXX and twice in the month of XXXX on their customer complaint website with no response regarding the late charges and fees that have suddenly appeared. XX/XX/XXXX payment will be due on XX/XX/XXXX and I looked on the computer dashboard XX/XX/XXXX to set up my XXXX payment for this account and see they have posted the entire {$470.00} payment of XXXX to interest only!! I am so disgusted because its very, very, very hard to reach someone at GM Financial who can add 2+2 and come up with 4!! I generally exclusively work with Mr. XXXX because he sounds like he knows something about what he is doing but he can be hard to reach. I am working very hard relinquish my association with GM Financial and incidents like this make it not be soon enough!!
Update : I received a call from Mr. XXXX in collections XX/XX/XXXX asking me to give a little time for the company to resolve this matter and to be fair I agreed. I told him that to simplify matters my payment for XXXX would be in the form of 2 checks instead of being online. I sent check # XXXX for {$370.00} that is clearly annotated for Principal only and another check # XXXX for {$100.00} that stated clearly Interest Only. When I verified online that my payment had been received I noted that only c. {$75.00} was applied to principal!! Completely disregarding my annotations!!
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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GM FINANCIAL violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), and 15 U.S. Code 1681 ( A ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave GM FINANCIAL any written consent to report anything on my consumer report. No consent is Identity Theft.
Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave GM FINANCIAL any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation.
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I received a response for my previous complaint that said GM Financial has sent a response to the consumers complaint offering an explanation of the account status and a point of contact for follow up questions.
Also it said GM Financial has submitted a request for an account adjustment per the consumers correspondence. In the response Gm financial stated : On XX/XX/XXXX, a cease and desist of telephone communication was documented to the account to ensure you do not receive further telephone calls, as requested. While you XXXX no longer receive telephone calls regarding the status of the account, GM Financial will continue to communicate with you to the extent allowed by law. You must contact GM Financial if you want to remove the do not call status from the account so that we XXXX contact you again at the phone number you allow. But the cease and desist letter I sent clearly stated to Please cease and desist all collection activity regarding this account immediately.
XXXX XXXX XXXX ( c ) Ceasing communication Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
Also gm financial XXXX GM Financial is required to report truthful and accurate information to the credit reporting agencies. We reviewed the account data sent to them and determined the information is accurate.
On XX/XX/XXXX, the date we last reported, the account status was charged off with a {$18000.00} deficiency balance and an account payment history of XXXX, XXXX and XXXX. The date of the reported delinquency is XX/XX/XXXX. As a result, we are unable to make any changes or deletions to the credit bureau reporting of your account which is done in accordance with the Fair Credit Reporting Act ( " FCRA '' ). but upon checking my credit file the last reported date was in XXXX of XXXX also the date opened on all three are completely different, and the date of last activity are also completely different on all XXXX credit bureaus. The response also stated that gm financial sent an adjustment request to the credit bureaus but there has been no adjustment made. Exactly what adjustment is suppose to be made?
|
| 10/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE!
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. GM FINANCIAL Account Number : XXXX Please remove it from my credit report.
2. XXXX Account Number : XXXX Please remove it from my credit report.
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Identity Theft Account Number : XXXX Please remove it from my credit report.
13. Identity Theft Account Number : XXXX Please remove it from my credit report.
14. Identity Theft Account Number : XXXX Please remove it from my credit report.
Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
|
| 07/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
This Complaint is about a XXXX XXXX that I bought XXXX XX/XX/XXXX, financially by GMFinancial. XXXX XXXX XXXX Account Type RETAIL Account Number XXXX At the time of the purchase I paid {$2000.00} cash with a monthly payment of {$260.00} for 72 months. on XX/XX/XXXX I wanted to pay off the car. I looked in their website an opened the payoff page I had a total payoff amount of $ XXXX.- with 7 payments to go. I did not agree with the total amount, so I called them. The first called the agent stated that was the total amount to pay off the XXXX. I explained if there are only 7 payments to go the total amount should be {$1800.00}, she talked about interest. I requested the statements since I bought the car on XX/XX/XXXX. She said she will contact another department to mail the statements. The statements never got to the mail box. I called them back, this time the agent explained the same, I didnt understand about the interest and told her I dont owe that amount, she said the information online is different from the one they have in the files.
On XX/XX/XXXX, I called them again and the same answer, I never received the statements. There are a lot of discrepancies : 1 ) The 7 payments to go were there for about 3 months ; 2 ) In the history account they jump onXX/XX/XXXX, 12 payments to go and on XX/XX/XXXX 15 payments to go-3 payments increased ; 3 ) when I was in monetary crisis I didnt pay the month, but as you will see in the statements I had time when I paid {$500.00} ; 4 ) They never mailed the statements I requested with the {$2000.00} down payment. As of as today they requested me to pay the car off {$2100.00}, still 6 months to go X XXXX = XXXX and I dont even owe them that amount. This car should be paid off on XX/XX/XXXX AMOUNT FINANCED {$12000.00}, {$2000.00}, cash down payment. AS OF TODAY, I had paid XXXX.
THEY STILL CHARGING UNTIL XXXX ANOTHER {$1300.00}. I havent made XXXX payment, Im sick, a lot of lab to find out what is going on with my poor health. My income is not the same as before. And I need to get rid of this account, I turn XXXX yrs on XXXX and I dont want this account on my shoulder.
Thank you for any help with this situation.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Fl XXXX XXXX
|
| 03/30/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
My Auto Lease payment was due on XX/XX/2017. I made my payment early on XX/XX/2017 Credit Card Payments that is used with GM Financial online payment option was XXXX via GM Financial online system when I log into my account. The Payment Option Link for XXXX. When I click on the link from there website It ask me to enter the Bill Payer, I entered GM Financial and a drop down came up to select GM Financial Leasing ( I have a lease ). I continue to enter my payment amount {$560.00} and XXXX XXXX confirms the payment and I paid same day service 2-4 hours fee of {$44.00} ( Total Transaction including my lease payment and XXXX XXXX fee {$610.00} ). After I get my payment conformation via XXXX XXXX Tracking number ( MTCN ) : XXXX. I email GM Financial right away asking them if the received my payment. I then receive an email from GM Financial 2 days later telling me that the payment has not posted. At this point I am very concerned because I always pay my balance on time and before the due date and somehow this payment is taking forever to apply to my account. I check my Credit card with my Financial Institution and the charge had already posted to my Credit Card I used on the same day. I contacted GM Financial several times to ask what is going on with my payment, my bank acct is drafted and payment is confirmed with XXXX XXXX, what is taking so long to post my payment to my account. I spoke to several managers and one Manager XXXX looked into research with the payment processing department and found the payment was made. I was told that the payment would be posted to my account at XXXX. Low and behold my payment was not posted the next day. I called GM Financial several times on the next day and was told they found my payment but somehow it was routed to another department and they are forwarding my payment to my account, and this time it will post in 24 hours, at this point its 5-6 days later. Today XX/XX/2017 I check my online account and I still see payment has still not posted. My Credit card has a posted charge deducted for the payment and XXXX XXXX has confirmed the payment on same date XX/XX/2017 and GM Financial has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency.
|
| 07/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XX/XX/2023 Consumer Financial Protection Bureau Complaint Regarding Charged Off Repossession on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a charged-off repossession that has adversely impacted my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and achieving a fair resolution. Account Information : Creditor Name : GM FINANCIAL Account XXXX Charged-off AmountXXXX Account Information : Creditor Name : XXXX Account Number:XXXX Charged-off XXXX I am deeply concerned about the charged-off repossession appearing on my credit report, as it has significantly affected my creditworthiness and financial standing. However, I strongly believe that this repossession was unjustified and should not have occurred in the first place. I have taken the necessary steps to improve my financial situation since the repossession occurred. I am attaching copies of relevant documents, including credit reports, payment receipts, correspondence with the creditor, and any other evidence that supports my claim. These documents serve as proof that the charged-off repossession has been an unjust burden on my credit history. I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure the charged-off repossession is removed from my credit report. Additionally, I urge the creditor to rectify any inaccuracies or discrepancies on their part that led to the repossession and its subsequent charge-off. I seek a fair and just resolution to this issue, as it directly impacts my financial well-being and future opportunities. Removing the charged-off repossession from my credit report would greatly alleviate the difficulties I have faced in obtaining credit and financial services. I appreciate the assistance and attention of the Consumer Financial Protection Bureau in addressing this matter. Please find attached all the necessary documentation to support my complaint. I look forward to a prompt response and resolution to this concerning issue. Thank you for your time and consideration.
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I took XXXX XXXX lease in XXXX XXXX. Since XXXX XXXX my account was set upfor Autopay and the payments were going through every month without fail. In XX/XX/XXXX for some technical reason not relatedto me, Autopay didn't go through for XXXX and XXXX of XXXX ( I later in XX/XX/XXXX learned from GM customer service that autopay was disabled by the GM due to a sales tax increase by the government resulted in an increase in my monthly payment ). I cleared late payments as soon as I was made aware of the issue in XX/XX/XXXX and re-enabled autopay. This was reported to the credit bureau and it is affecting my rating very badly even though I have been a loyal customer of GM and made all payments on time. I tried contacting GM customer care and they didn't help me with this. On XX/XX/XXXX I was transferred to the Credit Reporting department by the customer care team ( I might have gotten the name wrong ) and a lady spoke to me from that department, acknowledged my payments were set up for autopay and observed a similar issue ( of autopay not going through ) with other customers with autopay enabled for more than a year. She guided me to report the issue to the credit unions and she suggested attaching the autopay statement from GM whichwassent to me by her. For some reason, GM didn't acknowledge this issue on their end when XXXX and XXXX contacted them. As you clearly see auto pay not going through is not in my control. Yes, I could have realized this sooner but I was going through a XXXX situation for myself and my family around that time which kept me busy. In the month XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My whole family was going through a lot due to the XXXX XXXX GM claims they tried calling me several times but I didn't see any voicemail evenif it is assumed I have missed their calls due to the XXXX situation I wasgoing through.Please help me with this. I tried explaining this to GM several times and they didn't show any empathy about XXXX situation I was going through and the fact that the autopay disablement was due to GM 's reason. I have attached additional evidence about the XXXX and XXXX XXXX along with the autopay-enabled email.
|
| 12/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
GM Financial Inc.
Background I have a lease with GM Financial. GM Financial uses XXXX XXXX as their payment service. I setup automated payments via XXXX XXXX at lease inception. I was unaware that automated payments automatically ended after a 2 year time frame. I was subsequently late on my GM Financial lease.
Issue At time of lease, I setup a user profile on GM Financial website with all of my current phone, email, address information, re-updated when I moved as well. When lease was taken, salesperson copied all my contact info from a prior lease and I signed, not reviewing my phone number.
When my auto payment was stopped, I was not informed by either phone, email, or mail. When my account went late, I was not informed by either phone, email, or mail. GM Said they called my phone number on my original credit application, not the phone number on my online account with them. They said the collection department and online accounts don't link.
What is happening with this type of non-communication.
The only reason I found out that I was late was because I applied for a mortgage and the lender informed me as such. If I didn't run my credit, I would of found out when a repo truck pulled in front of my house to take my vehicle. GM goes out of their way not to inform people when payment processes change, or even when they are late. They do this so they can increase income via late fees and eventually repo the cars for non payment.
This is predatory lending at it's definition.
To summarize. I have made payments online for 2 years via auto-pay on time. My auto pay cancelled without me knowing. GM Financial failed to contact me. I went late, GM financial failed to contact me with information that they have had in their systems. I would of never found out unless I ran my credit.
I can only imagine the type of negative impacts this is having in communities that are less fortunate. Excessive fees added into balances can cause people to default. This has to be stopped. GM Financial has to make all efforts to inform their customers when a payment goes late.
These types of actions are decimating the lower income communities by charging more fees and hurting credit so borrowers have increased costs on future loans.
|
| 09/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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On XX/XX/2015 I signed a lease on a XXXX XXXX XXXX. When talking to the finance manager I understood that my total price with all fees and included would be {$58000.00} in total. I also understood that I would be putting {$20000.00} which would include {$20000.00} down {$600.00} taxes and {$290.00} first payment. I also understood I would make 48 payments of {$290.00} that would total {$13000.00} which included {$7600.00} in that total for depreciation. So added with my {$20000.00} plus {$13000.00} my total I would have in this vehicle would be {$35000.00}. When I asked the fianc person how much I would have left at the end of my lease the finance person told me about {$25000.00} dollars. My total in was {$35000.00} you subtract that from {$58000.00} dollars you are left with {$23000.00}. So Im thinking this is great I can pay cash for the car at the end of my lease. Now Im at the end of my lease I found out from gm financial P.O. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX that my payoff is {$31000.00} and the finance guy obviously lied to me. This total which would be {$35000.00} that I have already paid plus the {$31000.00} they want me to pay would make the vehicle {$66000.00}. This total is know where in the contract? I was furious when I found out I started emailing XXXX XXXX the Ceo of gm XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX tel:XXXX. I got a response from gm financial they were no help. Then I got a phone call from XXXX XXXX XXXX Executive Resolution Liaison Phone : XXXX extension XXXX. They were no help standing by the company even if there wrong. They also put me in contact with XXXX financial director from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX. He was the same way not willing to look at the mistakes that have been made. In my contract I just learn the money factor should of been listed how they got the residual value it wasnt told to me and isnt listed on the contract. I have tier 1 credit and was told my residual value shouldnt be this high. Also on XX/XX/2015 I was sent a notice my contract wasnt right and no need to do another contract. In my contract listed on line 20 it plainly states that any changes a signature by me an the dealership must be in writing. Which they didnt do.
|
| 09/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
Older American |
|
Please be advised that this complaint # XXXX against GM Financial has not been resolved. I am alleging that GM Financial engaged in deceptive trade practices along with XXXX XXXX who paid GM Financial via my bill pay account. Let 's try to communicate the facts that need to be answered once again. XX/XX/XXXX, GM Financial received a car payment that XXXX XXXX alleged had the incorrect mailing address but correct GM Financial Account number. Following the XX/XX/XXXX payment, the XX/XX/XXXX and XX/XX/XXXX payments with allegedly the same incorrect mailing address and same correct account number were not received by GM Financial. I asked GM Financial to produce all internal records to prove that they did receive the XX/XX/XXXX payment with the wrong address but correct account number and to prove that they did n't receive the XX/XX/XXXX and XX/XX/XXXX payments with the correct account numbers from XXXX XXXX. I explained that XXXX Bank refuse to provide me with all three mailed, returned, and cancelled checks and therefore, I was requesting the XX/XX/XXXX cancel check from GM Financial and the XX/XX/XXXX and XX/XX/XXXX returned mailed checks from GM Financial and the XX/XX/XXXX and XX/XX/XXXX cancelled checks received by GM Financial in order to prove that they had nothing to due with the deceptive trade practices and fraud of XXXX XXXX. GM Financial refused to provide me with this material information to exonerated themselves of engaging in deceptive trade practices and fraud. GM Financial refusal to provide me with the internal documents for my car payments was based on deception and fraud. These incidents of fraud occurred before I return the vehicle in and the fraud was the reason that I return the vehicle in. Let me repeat myself, the deceptive trade practices and fraud occurred before I returned the vehicle and it was the reason that I returned the vehicle. Until GM Financial provides me with the internal car payment records specified in this complaint ; then, they knowingly and intentionally engaged in deceptive trade practices along with XXXX XXXX who also refused to provide me with the internal records and stated that the cancel checks were destroyed which is a violation of federal document retention laws.
|
| 12/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Servicemember |
|
I am a XXXX veteran who co signed on an auto loan with my XXXX XXXX veteran brother who has XXXX.
Complaint # 1 I was not informed that late payments would be reported to my credit report because the Dealership nor G.M.Financial Corp.did not provide a seperate co-signer notice as stated below by CFPB Regulations, until I received a phone call from G.M. Financial on XXXX-19 after payments was 3 months passed due. After the call I immediately checked my credit score and was devastated to see that my score had decreased each month by a huge decreased amount and now below 600 fica score. G.M. Financial and the Dealership must be held legally accountable and correct this illegal act.
CFPB Regulation as follows : As co-signer, you should receive a separate notice by the lender prior to signing the agreement. The notice will contain the following information : You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesnt pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility.
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount.
The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record.
Complaint # 2 During the phone call mentioned above on XXXX-19. I informed G.M. Financial that my brother was having XXXX Behavior episodes and that I as the co-signer which to surrender the vehicle that is in default because I didn't know the each late payment would be reported monthly on my credit report. I was informed that it was an option and my right. Then I was told that I had to find the vehicle and have it in my possession even though I am the co-signer and don't have a tracker on the vehicle as G.M. Financial does and I don't know the location of the vehicle. G.M. Financial must be held legally accountable and correct this illegal act.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
I have always made my payments on time. For some reason, I realized that there were a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX, XXXX and XXXX days past due. Ive never been behind on my payment. I tried contacting the XXXX, XXXX and XXXX Credit Bureaus and the account they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}.
|
| 05/31/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My Auto Lease payment was due on X/XX/2017 . I made my payment early on X/XX/2017 in the amount of {$560.00}. I used the link when I log into my GM Financial account, selected payment options for Credit Card, clicked on the link for XXXX XXXX XXXX XXXX . When I click on the link from there website It ask me to enter the Bill Payer, I entered GM Financial a nd a drop down came up to sele ct GM Financial Leasing or GM Financial ( I have a lease ). I enter in my account number XXXX , continue to enter my payment amount {$560.00} and XXXX XXXX confirms the payment and I paid same day service 2-4 hours. After I get my payment conformation via XXXX XXXX XXXX numbe r M oney Transfer Control Number [ MTCN ] is : XXXX AUTH CODE : Conformation # XXXX I contacted GM Financial several times asking them if they received my payment, I keep being told no payment received. On XXXX I finally spoke with a Supervisor name XXXX on XXXX / XXXX / XXXX and I did a 3 way call with GM Financial and XXXX XXXX . The XXXX XXXX representative verified with Supervisor at GM Financial that my payment was accepted with GM Financial on XXXX / XXXX / XXXX , so now its up to GM Financial to apply my payment to my account. The supervisor said he would send this info over to their payment processing department so my payment can be applied to my account. Today XXXX I check my online account and I still see payment has still not posted. I contacted an online chat rep with GM Financial, an d the chant rep said the payment still not received. And they will expedite a request with their payment processing department. At this point this is taking too long to apply my payment to my account, my Credit card has a posted charge deducted for the payment and XXXX XXXX has confirmed the payment on same date XX/XX/2017 and GM Financial has confirmed the payment and still they have not applied my payment to my account, causing me account delinquency. I am requesting that my payment be applied to my account effective immediately dated XX/XX/2017 , and report my account with all 3 credit bureau s ( Paid on Time, Never Late )
|
| 03/17/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2017 XXXX XXXX XXXX, AZ XXXX GM Financial XXXX XXXX, TX XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$18000.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the GM Financial to let them know that I have returned the car as I was required to do so.
Fast forward, on XX/XX/XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the GM Financial. Then, I checked my GM Financial account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX.
After numerous ( I mean numerous ) calls and emails to GM Financial and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks GM got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to XXXX and XXXX. Which they never delivered and they ultimately asked me to do that, too!!!!
1. I did file a dispute with both XXXX and XXXX and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run.
2. I have reach out to GM Financial again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them.
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should GM not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair.
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ).
Thank you
|
| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XX/XX/XXXX I spoke with GM Financial Customer Service and a customer service supervisor who was able to note my account and approve to reverse the late reporting for XX/XX/XXXX in XX/XX/XXXX this was a huge step as I have disputed this for over a year I was told this would be resolved in 45 days or less I was also told I would receive a letter in the mail showing the corrections. I have sent emails and called GM Financial to only find myself holding on the line for two or more hours and then get hung up on by customer service and collections. when requesting a supervisor I am told someone would call me back and that never happens furthermore when I call in for status no one knows what I'm talking about and I have to talk to 10 people for the tenth person to finally read the notes and see where it has been documented that my credit would be reversed. however I would need to wait yet another week or two and I have although this is a violation the Federal Credit Reporting Act. I have a statement from GM clearly showing XX/XX/XXXX was in deferment their records would also show this I'm not sure why this would be so complicated. I have also provided the XXXX statement showing that my payment was late but never 30 days late this information is their own records. If only someone would simply read what I am providing there is nothing hard about this discrepancy. GM responses received are redundant they simply remind me of my contract terms and list what they are currently reporting late which is incorrect this is bad Business this is bad record-keeping and when you report incorrectly to all 3 bureaus this can be devastating 2 a customers such as myself this is my final attempt The Next Step will be the Federal Trade Commission who implement Credit Reporting Act guidelines which are very clear additionally there should be no late reporting on my account XXXX are errors XXXX lates were due to XXXX.
I'm simply asking in your response to provide me your Executives contact not your supervisor I think this is very important to have someone review how long I've endured these discrepancies in the lack of effort to correct them and shouldn't go to legal action the amount of cost for something so small
|
| 03/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
On XXXX XXXX, XXXX, I purchased a car from XXXX XXXX in XXXX, Arizona. The car was financed through Americredit Financial. I fell behind on the payments when my mother became stricken with XXXX and it was subsequently repossessed by Americredit in XXXX XXXX. The repossession was unlawful due to threats of violence and abuse to myself and my family by the repossession agent, which constitutes a breach of peace. At some point, GM Financial purchased Americredit and began reporting the original loan and deficiency balance on my credit report. For the great part of the last year, I have contacted both GM Financial and the credit bureaus to have the incorrect reporting of the account corrected. GM Financial continually refuses to correct the reporting despite my multiple requests directly to them and my multiple disputes with the credit bureaus. GM Financial continously verifies the information as accurate to the credit bureaus even though it is clearly not accurate. Currently, the account is not reporting the correct loan term and the monthly reporting is inconsistent between the XXXX and XXXX reports. The account was subsequently deleted by GM Financial from my XXXX report last year. How is it possible that GM Financial can continually verify an account as accurate to the credit bureau when the account is reporting differently on each report?
I am providing the following as proof to support my claims : 1 ) original contract with Americredit reflecting the terms of the account to be 60 months. It is currently being reported as 65 months by GM Financial, thus aging the account further.
2 ) Screen shots of the account as they currently display on my credit report showing different payment histories and status.
3 ) Email correspondence between myself and XXXX XXXX from GM Financial showing I provided her with documentation showing the account was not reporting properly then and her refusal to address the issue.
4 ) Email correspondence from myself to XXXX XXXX, CEO of GM Financial to bring attention to the continuous reporting errors and the wrongful repossession.
5 ) Mail correspondence from XXXX XXXX from GM Financial, again asserting that GM Financial is properly reporting the account.
|
| 05/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I bought a XXXX Chev Malibu with about XXXX miles on it from XXXX XXXX XX/XX/XXXX that was sold to me deceptively.The salesman XXXX lied to me about what was wrong with it a When I asked about a concern during the test drive, he lied about the number of owners the had stating that the car had just been traded in a couple of hours before I came in to buy the car by an elderly couple, hence the low mileage and failed to tell me that they, XXXX XXXX had made a repair to the transmission in XX/XX/XXXX.3-4 mos.later the car stopped working totally and needed new transmission.After abt 2mos of back and forth with gm and the dealers owner giving me the run around and just not wanting to help even though they were deceptive, I had to pay XXXX and was reimbursed XXXX.I should not have had to pay anything.i was without a car for almost 2mos.After practically begging the dealership I was given a loaner 1 day before my car was repaired.Im a single parent and having to pay to get around for almost two months and having to come up with that much money was like having to come up with a XXXX.Gm decided to make arrangements after almost XXXX mos.They initially refused to due to the loan being too new.They financed a car that was sold to me deceptively and put me through so much to finally give me arrangements.This issue caused me to fall even further behind on other bills including my mortgage in which I had to get modified around the same time frame of XX/XX/XXXX.I have a mortgage that I have fell behind on now again and it 's going into default again.gm reposessed the car on Mother 's Day because it was 3 mos behind in which I thought that it was 2mos behind.im a single parent and I am employed.I have household bills, mortgage, tuition, my daughters graduation, a daughter in college and it 's has been impossible to do everything because I have not been able to catch up due to their car needing a new transmission and all of the other financial strains that caused me.Its not fair and I would like to know if there 's anything that can be done because I was deceived and it has caused everything in my life to go downhill financially including my health.I will take any advice that can be given.thank you
|
| 09/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I signed a contract to purchase a vehicle on XXXX XXXX, XXXX and that contract contains some errors so the finance manager at XXXX XXXX asked that I sign another contract. I assumed the contract stated what he said it stated and that it was a reprint just to correct the mileage issue. I was told that my due date was going to be the XXXX of every month and that I needed a {$1000.00} down which includes my first payment. On XXXX I woke up to an alert from my credit monitoring service advising me that I had a 30 day late payment with Gm Financial. I did n't understand how that was possible when I made a payment on XXXX XXXX, XXXX and gave payment information on XXXX to make another payment. I contacted GM Financial and I was advised that the due date on the contract states that the payment is on the XXXX of the month. I explained to the GM Financial Representative that I did n't have a copy of the contract, I have n't received a billing statement yet, and the sale person ( s ) at XXXX XXXX informed me that my payments was due on the XXXX of the month. I made a payment on XXXX how can I be 30 days late. The Representative stated to me that the payment was never processed on XXXX and the notes stated that I would call back on the XXXX, and make a payment, I disagree with. I feel if the payment was due on the XXXX of the month and I stated to the representative I will pay on the XXXX, why would n't the representative advise me that the payment would be 30 or more days late. I contact XXXX XXXX and spoke to XXXX ( sale/finance Manager ) who handled my transaction and he advised me that I signed the contract on the XXXX and that he entered into the system that my payment should be due on the XXXX ( although I was told XXXX ), I put {$1000.00} down payment down and was told that I would n't have a payment due until XXXX XXXX XXXX. When I contacted GM Financial about this situation I was told that they will look into it, but after looking into the situation they stating to me that I need to contact the dealership to get this matter corrected. The dealership stated to me that, there 's nothing they can do but to send me a copy of the contract showing I signed the contract on the XXXX of XXXX.
|
| 07/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I, XXXX XXXX and natural person, was denied credit by AmeriCredit when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX ) of whom I am the Executor of the Estate/Trust of ( XXXX XXXX ) through a SS-4 presented form the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction..
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also, they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit. They also colluded with the dealership to get me to make a down payment when its a consumer CREDIT transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ).
You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by AmeriCredit due to the response I received.
AmeriCredit is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.
Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AmeriCredit 15 U.S.C 1602 ( p ).
If AmeriCredit fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make AmeriCredit criminally and civilly liable for all actual damages pursuant to 15 USC 1691 ( g ) ( h ) where as a pattern or practice of discouraging or denying applications for credit in violation of section 1691 ( a ) ( c ), 12 CFR 1002.7 ( a ) & 15 U.S.C 1681 ( n ), 15 U.S.C 1681 ( o ).
|
| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
GM financial reported to the three major credit credit bureaus that my auto lease was a charge off. During my installment auto lease, I never paid late. All payments was made via my GM Financial online account. Paperless. After my lease ending I checked my balance online several times. My online balance showed a zero ( 0 ) amount.
Several months later I received a call from GM financial collections stating I had an outstanding balance of {$1100.00}. I explained to the representative that I was not going to make a payment when # 1. My online account balance showed a zero owed amount and # 2. I had no clue what the {$1100.00} was for? The representative said they would send me the information in the mail. I never received ANY correspondence from GM financial via the mail, during or after my lease. Remember, I have a paperless bill account. A few months later I tried to apply for a new credit card and I was denied.
So I pulled my credit report and to my surprise, I have a negative mark on my report for this lease. When I contacted GM financial, they explained that the {$1100.00} was for my lease disposition fee and excessive wear on my tires. I explained that I had an insurance policy purchased at the time of my lease to cover any excessive wear. When the representative looked up my account they confirmed that I indeed had a policy. They said the GM financial had made an error and only billed the Insurance company {$85.00} and they would take care of it. At this time I still had an issue with regards to the disposition fee. I explained I never received any notification of a balance for the disposition fee. As it turns out I am correct. GM financial sent the bill to a old address which I had to lived in over two years. When I asked why the fee did not show on my online account balance, they said they only mail these bills. Remember, I have a paperless payment account!!! So I paid the disposition fee.
Now, today XX/XX/21, My credit report still shows an outstanding balance of {$500.00}, late payments and a charge off. XXXX refuses to remove this negative mark from my credit report. So I have an issue with XXXX and GM Financial XXXX case # XXXX GM Financial account # XXXX
|
| 05/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, GM Financial, states they have attempted to remove it and are unsure why it is still appearing on my reports.
The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called GM Financial and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local GMC dealer, XXXX XXXX.
XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the GM lease stating I was over 30 days late. I could not call because they were closed on weekends.
XXXX XX/XX/XXXX : I called GM Financial and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to GM Financial the same day. I called GM Financial back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct.
XXXX XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called GM Financial back and they stated they would again request a correction to my credit history.
XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called GM Financial. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored.
Supporting documentation from GM Financial is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the GMC dealer I turned my truck into showing I turned it in in XX/XX/XXXX.
Thank you for the help,
|
| 01/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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On XXXX XXXX, XXXX, My truck XXXX XXXX XXXX XXXX XXXX was wrongfully repossessed by GM Financial. I was in a Chapter XXXX bankruptcy and I entered into an agreement with GM Financial which stated on page XXXX ( please see attachment ) of the court order if I am past due XXXX payments, GM Financial is to send me a correspondence giving me 14 days to cure the default or the vehicle would be repossessed. I received a call from GM Financial on Saturday XXXX XXXX, XXXX but since I was at a church event, I could not answer the call nor did the person leave a voicemail. I never received notification from GM Financial stating the payment was past due. I received notification the day the truck was repossessed from the court stating there was a motion to repossess to truck. The truck was already gone by the time I received this letter. Since this incident, I filed a lawsuit against GM Financial. During the last court date on XXXX XXXX, XXXX, the judge dismissed the case stating it was out of his jurisdiction because the court order was from Bankruptcy court and I would need to handle matters there. GM Financial 's attorney, XXXX? ( Her last name was not visible on the court order ) immediately started lying to the judge before he dismissed the case. She was also irate and confrontational because I decided to file a lawsuit in XXXX, almost 6 months after the repossession. She lied about the truck being sold by GM Financial after my bankruptcy was dismissed. The truth is I never received I never received notification from GM Financial about a past due payment prior to the repossession as agreed in the approved court order, the truck was sold on XXXX/XXXX/XXXX, and my bankruptcy was dismissed on XXXX XXXX, XXXX. I was n't clear if she was trying to say there was a statute of limitations in regards to a case such as this but GM Financial was wrong and took advantage of my situation. On the day the truck was repossessed I called GM Financial and spoke with several representatives who confirmed no letter was sent advising of the past due payment. Also, I planned to pay on that day because I was paid on that day but decided to leave GM Financial and not do business with them anymore.
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| 05/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/XXXX, GM Financial produced a statement indicating a bill due of {$400.00} by XX/XX/XXXX.
On XX/XX/XXXX a payment of {$400.00} is made and posted to my account.
Upon termination of my lease, I am informed that termination fees and wear and tear fees of {$1100.00} are due. They are also asking for an additional month of payment without any invoice - the lease terminated in XXXX.
I made a payment of {$1100.00} on XX/XX/XXXX, shortly after being notified of the termination fees and wear and tear.
GM Financial does not issue another statement available on my online account. The website indicates that I have made the 39 full payments required on my lease. I have paid the amount indicated for termination and wear and tear.
GM begins calling to let me know that I have an unpaid balance. I call in early XXXX and an associate and request to have them review how many payments I made. The associate indicates 39 payments have been made, the account must be escalated to an manager for review.
I receive no response.
I get more calls from GM collections. I call back in, I ask if the account has been reviewed. It has not. The associate submits it for review again. I hear nothing.
More collection calls. I call in again ( XX/XX/XXXX ) - 3rd request asking for an accounting of how I owe more money when I paid the final payment and turn in fees. The associate promises a return call. Never calls.
XX/XX/XXXX GM Financial marks a delinquency on my credit report.
The website to this day never showed a bill for payment after my final invoice from XXXX which was paid. I have asked a manager at GM Financial for a full accounting of my account and have not received it.
Without providing any proof, GM Financial has claimed I owed additional money after I paid every written invoice provided. After numerous requests they can not furnish the information of why I still owe them money.
This is predatory lending. It is poor web design. And they should be ashamed.
A full history of bills due and paid should be available for any financial services website that is claiming additional funds are due, and an accounting of why should be readily available to the consumer.
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| 11/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American |
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To Whom it May Concerned : After several attempts to fix this problem, first with the Department of Agriculture, then with CFPB submitted twice, I still struggling to solve this issue with GM Financial. One of your agents recommended me few contacts seeking for help. I contacted Florida General Attorney at XXXX, the agent advised me to contact CFPB and requested a grievance form. As I explained before I bought this car a XXXX XXXX XXXX in XXXX with a value of {$6900.00}, I was agreed to pay {$260.00} for 72 months with accrues daily interest.
On XXXX I went to emergency room ( XXXX yrs.old ) from my work, I was admitted in the 2nd floor ( XXXX XXXX ) and stayed 4 days, I was discharged with restrictions one of them DO NOT DRIVE, because I have debts to pay including the XXXX, next day I back to work, meaning if I didn't make my payment at that moment was because I was very sick, I made late payments but i also paid my late fees and of course they fooled me with an extension.
I recovered from my illness I went back to work full time, I did my payments accordingly.
On XXXX again went to emergency room and I was discharge but to follow up with a lot of XXXX XXXX and XXXX I kept working, I wanted to make my payments. By XX/XX/XXXX again got very ill, so I decided to pay off the car before i turned XXXX. But since then it have been a nightmare with GM Financial. I have paid XXXX for 72 months ( XXXX ) for a car in the amount of {$6900.00} a total amount interest of {$12000.00}, the payment of two cars without interest.
On XX/XX/XXXX, I sent an email explaining them my financial crisis. They called me offering me help so I met a commitment of {$300.00} by XX/XX/XXXX and {$300.00} by the end of the month. On XX/XX/XXXX, my paycheck was of {$430.00}. Therefore I could only pay {$270.00} and my account was overdraft.
On XXXX, I received a GM Financial invoice dated XX/XX/XXXX with a total amount of {$1500.00} to pay and O PAYMENTS TO GO. I went to their page and they had a total amount of XXXX another discrepancy, always discrepancies.
I think this have been very unfair, inhuman, and unnecessary for a company like this to continue with this embarrassing situation.
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| 01/02/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I leased a new XXXX XXXX from General Motors Financial Company , Inc. ( " GM Financial '' ), and they are continuing to deduct lease payments from my bank account even though, due to an accident, my car was declared a total loss and the lease was terminated.
I leased my XXXX XXXX from GM Financial in XXXX. On XXXX XXXX, XXXX, I was in an accident. We notified our auto insurance carrier and our XXXX dealership of the accident that day, and GM Financial early the following week. My insurance company inspected the car on XXXX XXXX, XXXX, and declared it a total loss the same day. That same day, XXXX XXXX, XXXX, my wife again spoke with GM Financial. GM Financial knew about the accident, had spoken with my auto insurance company, and already were in the process of working with their gap insurance company to cover any portion of the resulting loss that would not be covered by my insurance carrier.
Also on XXXX XXXX, XXXX, during that same phone call, GM Financial told my wife that we were responsible for the lease payment for XXXX XXXX because our auto insurance company declared a total loss after that payment already had been scheduled with my bank ( which we said was fine ). We were told there would be no additional lease payments.
On XXXX XXXX, XXXX, GM Financial - without authorization - deducted another lease payment from my bank account. I attempted to contact GM Financial by phone on XXXX XXXX, XXXX to resolve this issue. They have a recording saying that due to a system upgrade it is impossible to speak with a customer service representative until XXXX XXXX, XXXX. I was unable to speak with a person or access my account electronically. On XXXX XXXX, XXXX, I also sent GM Financial private XXXX messages - their suggested message for contacting them until XXXX XXXX, XXXX - including a description of the problem, my name, my address, the date of the unauthorized payment, the exact amount of the unauthorized payment, and the last four digits of my social security number. On Monday, XXXX XXXX, XXXX, I received a response telling me that " we are unable to review your account. '' GM Financial has yet to resolve the situation or even contact me to discuss.
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| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Over two years ago I contacted XXXX regarding my account with GM FinancialXXXXAmeriCredit that was opened in XXXX. This account had many delinquencies that began in XXXX after my brother passed with no life insurance resulting in me taking on responsibility for a funeral debt in addition to other personal issues that ensued me from fulfilling my obligation to make timely payments to GM Financial/AmeriCredit . Fast forward and almost 10 years later, this account is still on my credit report to negatively impact my credit.
I paid GM Financial/AmeriCredit every cent that I owed them which included all the exorbitant late fees for their harassment in XXXX. I disputed the presence of this account still on my credit report with XXXX and GM financial about two years ago to no avail knowing that the fairness of " up to 7 years from the date of first delinquency '' would mean that the account could be removed now or at the latest in XXXX. However, I was met with resistance and fraud on the part of both XXXX and GM Financial/AmeriCredit and there was nothing I could do but continue to suffer the consequences of the negative reporting. XXXX reports " Data Unavailable '' instead of what should have been a late payment. I'm sure they know this because I brought it to their attention. And just last year XXXX was reporting 3 more late payments than they are this year ( a provable fact ). Now the late payments on my report for the months of XXXX, XXXX and XX/XX/XXXX are filled with dashes ( - ) to indicate " Data Unavailable '' when last year they showed " RED 30 Days Late ''. Isn't this FRAUD? This seems to be the same thing they did for the " dashed '' or months showing " No Data '' for the years XXXX and XXXX. Isn't this FRAUD? Isn't this so that this negative reporting can stay on my credit report longer? Does XXXX get paid more for allowing creditors to do this? This is wrong and unfair.
And when does the " Up To '' 7 years from the date of first delinquency get considered. Who gets the benefit of this privilege? What circumstances allow this? I pray that the Federal Government will come up with a way to ease the burden of this type of discrimination and fraud.
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| 01/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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GM Financial illegally repossessed the vehicle without notice or warning of default, during the worldwide Covid-19 pandemic, and the company used to do so breached my peace in the commission by entering in a gated area to repossess the vehicle which is illegal in the state of Georgia. Neither GM nor the repossession company ever contacted me to resolve this issue or make me aware that there is an unresolved balance after the bankruptcy. Again, after multiple attempts to contact GM Financial, they refuse to contact me regarding this or reinstating the loan after filing for bankruptcy.
GM failed to not honor my request to reinstate the loan after multiple attempts.
GM Financial subsequently sold the vehicle at a private auction after I submitted both a CFPB complaint ( XXXX ) and a certified letter ( attached ) advising them of the disputed repossession and my wishes to exercise my right to a public auction. Both were ultimately ignored and GM sent a deficiency notice.
Finally, all my possessions were not returned from the vehicle. In order to obtain my belongings ( nearly a month later ) XXXX and the company that repossessed the vehicle mad me sign a waiver prior to handing over and examining my possessions. The day the vehicle was repossessed, I withdrew {$4000.00} out of my checking account ( copy attached ) which was still in the vehicle at the time of repression that was not returned. Additionally, other items including my {$500.00} radar detector, a broken iPad along with other business property, checkbook, and wheels were not returned from the vehicle causing a further financial loss after GM Financial decided not to work with me. As shown in the pictures ( attached ) from the dealer who now has possession of the vehicle, personal items including the bracket where my radar detector once sat and my {$3000.00} wheels are still in the vehicle.
I am requesting GM Financial settle this matter and return my possessions, otherwise, legal action will ensue for the value of the items not returned, the deficiency balance of more the {$25000.00} due to not honoring buy wishes for a public sale, and ultimately, the illegal repossession that occurred.
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| 11/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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Gm Finanial approved me for a vehicle loan on XX/XX/XXXX for XXXX XXXX XXXX XXXX with a {$500.00} dollar down payment and signed contract!!! After completing the deal and given the keys for the vehicle I brought my vehicle home everything was good!! I then recieved a text message from my salesman on the XXXX regarding my vehicle stating the bank needed 2 years of tax returns from me to complete my loan!!! At that time I ask him what he was talking about he then told me he was with a costmer and couldn't talk!! So I sent a text telling him to have a manager call me!! I didnt recieve a call until 3 days later when a manager named XXXX called and said I had not been approved and needed to return the vehicle and he could get me in a vehicle of XXXX dollars less value!! I informed the manager he could not do that per federal law he got mad and started yelling that I better return the vehicle right then or else! I hung up and called the police! The next day XXXX from XXXX XXXX contacted me via email to demand tax returns and I advised him that I had called the police and not to contact me again that I needed the owner or general manager to call me immediately!! I did not hear from the GM for over a week! At which time XXXX the manager for XXXX XXXX had sent me a document from GM Finacial that showed completely different loan information on it than the installment agreement I signed with a change of status to returned due to unable to verify 2 years of employment! This also didnt make since as I had provided 2 years of bank statements a XXXX tax return check stubs all to XXXX XXXX prior to the sale of the vehicle! I had obtained an approval email from my salesman on the XXXX of XXXX and I was never told about the change in contract the descepancy in length of loan and interest rates or the discrepancy in the amount of the loan which has over a XXXX dollar difference in the payment and finiace rate for the length of loan and no explanation as to where that XXXX dollars is! The documentation recieved from the dealer shows a fradulent car deal done purposely to commit criminal theft of money from me and the intent to have never intended to up hold the agreement!
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| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
XXXX and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to XXXX10 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
GM FINANCIAL XXXX Open Date XX/XX/2018 Balance : {$14000.00}
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| 03/28/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I have repeated requested that GM Financial correct their Credit Reporting on the Auto loan # XXXX that has been subject to a XXXX CANCELLATION OF DEBT. I received the XXXX For tax year XXXX, wherein I had to include it in my tax return and incurred tax consequences. The continued reporting of a past due balance on my credit report is highly damaging to my ability to obtain favorable finance terms and is putting my family in a position where we are unable to secure housing due to this. It 's quite the troubling scenario, I ca n't actually PAY this bill to GM FINANCIAL because it has been cancelled, yet I am unable to correct my credit report and have it show that this debt is not past due {$11000.00} as of XX/XX/XXXX. This is a huge problem. Numerous correction attempts with the credit bureaus and GM Financial have yielded no results.
I have done research on the topic and would like to advise both the CFPB and GM FINANCIAL that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled DEBT as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor.
See : See, e.g., In re XXXX, XXXX ( XXXX. XXXX ) XXXX v. XXXX , 36 XXXX . XXXX XXXX XXXX. XXXX ) XXXX. v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ).
" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at 270. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271.
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| 03/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Older American, Servicemember |
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I have a XXXX XXXX XXXX that was original financed @ GM Financial @ a 18%interest rate, After lowering the principle by payments I started a loan process for my XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. I realized the monthly notes were higher than the budget I've set for myself. I called and spoke with someone @ XXXX XXXX and cancelled the process, before I had completed closed,or signed a power of attorney to release the title. I thought it was cancelled as the representative assured me. I continued my negotiations with XXXX XXXX XXXX for a better rate and monthly payment, we reached an agreement, I paid GM Financial an additional XXXX on the principle balance as per XXXX XXXX XXXX request completed all the needed paper work @ a local branch. I signed the agreement paid the appropriate licensure fees and power of attorney for title of the vehicle. The closing was on XX/XX/XXXX.
On XX/XX/XXXX, I received a letter from GM Financial stating That the car was purchased by GM and the title as sent. I know I didn't complete paper work or authorization for the vehicle to be purchased by XXXX XXXX. I have been calling all Financial institutions, since receiving the letter. XXXX XXXX is willing to send the title back after they get their funds back. This has been communicated to GM. GM has kept my XXXX dollars I paid. GM Financial have cashed the check for XXXX in the amount of XXXX ( the amount owed after my XXXX principle payment). GM Financial has also cashed a check for XXXX for XXXX XXXX. I now have two car notes to two different companies due in the latter part of XX/XX/XXXX I completed the paper work with XXXX XXXX,that is the company I want. I call GM nearly every day after being on hold from 30-60 minutes and I am getting different answers each time I call from it will be resolved in 48 hours until it could take 90 days. I always have to start the story all over to each representative and I believe he or she does not consult anyone or know the company's policy and wants just to end the call. I have not missed a payment since I had the vehicle, but I am semi-retired, I don't want to pay double. I need help to resolve this matter.
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| 06/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I had aXX/XX/XXXXXXXX XXXX Lease through GM Financial that I paid-off on XX/XX/XXXX of this year ( 2018 ). The lease was closed-out when we purchased a vehicle at XXXX XXXX XXXX, paid-in-full, and we were sent closure documentation and even a refund a month or two later for overpayment.
On XX/XX/2018 we noticed withdraws still occurring from GM Financial within our checking account, and found automatic payments being withdrawn from our checking account in the amount of {$250.00} every month despite having paid-off the lease ( from XX/XX/2018 through XX/XX/2018). We thought, that's where all our money has been disappearing!
On XX/XX/2018, my wife called GM Financial, and was very kind and detailed, provided the exact days, amounts we paid, pay-off details, amounts still being fraudulently withdrawn with each day and amount, and ended up having to fight with an employee named XXXX ( employee # XXXX ) on points that were so silly that XXXX actually asked at one point, " Don't you think it's a problem that you didn't see XXXX coming out of your account for 5 months? '' As an argument against just giving us our money back!
We requested a supervisor and were not able to speak with one.
We emailed top executives ( XXXX XXXX ) at GM Financial requesting a remedy and suggesting that the voice recording of the call between us and XXXX be pulled to review the poor service representative. We received no response.
We also contacted our Bank, XXXX XXXXXXXX XXXX XXXX in an attempt to prevent continued withdrawals by GM Financial. Our bank told us that since they're using a different reference number each time it wasn't possible to stop GM Financial from continuing to automatically withdraw fraudulently. Even the bank can't stop a fraud apparently.
Today, on XX/XX/2018, we notice that yet another GM Financial withdrawal was made for {$250.00} from our account. We have had fraudulent withdrawals from GM Financial for 6 months now since paying off the lease in-full in XX/XX/2018, a theft of {$1500.00}.
This is a crazy situation! We are so thankful for the CFPB at this point and aren't sure what we could even do without you!
Please help : (
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| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Lender trying to repossess or disable the vehicle
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|
Web |
Older American |
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Due to the seriousness of XXXX 's XXXX XXXX, he will not be able to make any payments until he returns home if that will happen. He is in XXXX XXXX and remains in the hospital for an indefinite period of time, he will not be home for the holiday and arrangements are being made for his final wishes. Please respect and do what he wants, he knows that the GM payment is due now, but he needs to delay it until the end of the month, if possible. His income has dropped considerably since he has been in the hospital due to XXXX and hospital stays which were not anticipated. Please work with XXXX while he is here, we may lose him at any time.
XXXX remains in the hospital, he is waiting for some kind of response from the emails, he is worried that you're going to pop on his doorstep ( he is not there ) and repossess the jeep. He is asking for time and wishes that GM \could move the outstanding due payments to the end of the contract until he somewhat recovers ( he never will ) from XXXX XXXX XXXX. There is no cure for this, he is placed on a medication remedy only and that is what is keeping him alive. Sorry for the bad news, but it's a reality and he is trying to come up with a solution instead of lying there in bed suffering so, please work with him.
Please stop any repossession proceedings, XXXX can not help the situation he is in, he can not believe GM would take the car while he is suffering seriously with XXXX XXXX XXXX, the car will always be here, but XXXX may not survive the horrible XXXX. Please keep him in your prayers and please don't rush to a quick decision without any kind of notification on what you're going to do. We think you should move the outstanding balance to the end of the contract until XXXX XXXX hopefully gets better. Please note he is sacrificing his car payment for his health, and he wants all of you at GM to understand his situation. He is going to try to work with his credit union if he is able to pay at least one payment, we will not know until this week so please read the above and show some compassion because I am afraid you're going to lose a good customer, would you rather have the car instead of XXXX XXXX.
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| 03/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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On XX/XX/XXXX I sent a certified letter to GM Financial, along to the 3 major Credit Reporting Agencies XXXX, XXXX, XXXX ( see attached documents ) .The letter explained how GM Financial has violated my consumer rights! Heres the supporting evidence that was included in the letter : Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I demanded that the account be deleted ( see attached ). I received a response back from GM Financial ( see attached ) basically stating they were unable to proceed with my request because no specific item was requested for investigation and there was no supporting documentation ( see attached document ).
On XX/XX/XXXX I sent another letter certified mail ( see attached ) that included my consumer report showing that GM Financial was indeed reporting on my file ( see attached ) .Included in the letter was the supporting documentation, that reiterated why I demanded to have this account deleted from my consumer file ( see attached ).
GM Financial sent me the same exact response letter from XX/XX/XXXX that was now dated XX/XX/XXXX ( see attached ). At this point I feel GM Financial is disrespecting my rights. Ive never given them written permission to report my GM Financial account/tradeline to any Credit Reporting Agency . Furthermore, GM Financial never gave me proper notice and OPT-OUT information regarding disclosing nonpublic personal information to nonaffiliated third parties as deemed by the Gramm-Leach-Bliley Act.
|
| 06/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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GM Financial has the worst telephone customer service because they just make excuses and try to place blame on the consumer. They have no empathy and offer no solutions. When asked to speak to supervisors their employees say that their is no one above me.
On XX/XX/2018 I was contacted by GM Financial to make a payment that I was 27 days late on an auto lease payment that was due on the XXXX. I did not have my bank account information on me at the time and so I came home and made the payment online and also changed my bank account information. The reason that I was late in the first place is because I changed my bank account and had closed my old bank account that was linked to the lease account on a reoccurring payment plan ( ACH ). I changed the XXXX XXXXk account information to the new bank account that I had established for the one time payment and also for future payments which I also thought was changing the ACH account.
I just so happened to be looking at my GM accounts again in XXXX and then noticed that the automatic payment had not been pulling. I immediately made a payment and called customer service. Customer service told me that in order to establish a new ACH account that I would have to send a cancelled check and an automatic payment enrollment form. She was wrong because I successfully set it up without having to do that. I just went online and set it up as I thought I had before. The issue was that the reason it had not gone through before is because customer service first has to remove the original payment account. You would think that as a multi-billion dollar organization they would have a streamlined process in order to change the automatic payment details on your account. Aside from that the customer service representatives make no effort to properly inform the customers of the steps needed to change this as the first representative that I spoke to in XXXX made no indication that I had to do that.
My XXXX has gone down from a XXXX credit to a XXXX average XXXX score with the three different credit bureaus and GM Financial gave me a fax number to write to dispute their reporting to the credit bureaus.
|
| 08/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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his started when GM Financial sent my account to a collection Agency called XXXX XXXX XXXX. I will start by telling you the situation. I was in a career ending accident with this very car ( XXXX XXXX ). From that point on I had to apply for XXXX in PA. Unfortunately it takes 2 years before you get a hearing in front of an administrative judge. So I was unable to pay my payments. Now the original loan was taken out in XXXX of XXXX. The problem started when XXXX XXXX got involved. We were talking about making a settlement on the account that's when the games started. I explained my situation and told them that I was Permanently and Totally XXXX. I said I would be willing to give you my total monthly income of {$1100.00} to settle this debt, because I only make {$1100.00} a month from XXXX. The total bill was {$9700.00} when I defaulted back in XXXX. The woman said that she would send in the request to GM financial, with the reason why to see if they would accept, because of my condition. She told me it would take about 2 weeks to get an answer, and that she would get back to me. So two days pass and I get another call, This is XXXX XXXX etc. I am calling about a debt that you owe. I said I have already discussed this with one of you reps and put an offer in, she said she sent it off to GM Financial for review and to see if they would accept the offer and she would get back to me in two weeks. He said sorry it never happened. Then he says if you give my {$6000.00} I will send the offer in. I said I don't have that kind of money, I am XXXX and only make {$1100.00} a month, but I can do what I offered the woman. He said he won't do it. Then we hung up. These calls have gone on for 3 months now. They went as low as {$1100.00} and as high as {$6000.00} and everyday it's a new figure. One day it was {$2000.00} last week. It is just game after game. I told them the only offer and money I have is {$1100.00} and I will give it to you in good faith to show you I am not running from My obligations and good Faith. But again, it just depends on who calls me for that day. One day they say they will send in the offer and it never gets done
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| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. GM FINANCIAL per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. GM FINANCIAL is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). GM FINANCIAL is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This is a violation as they are reporting these items without my permission. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
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| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPOINSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXXXX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN COTNACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXXXXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO XXXX XXXX CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPINSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONCTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX. XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION
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| 06/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased a car from a XXXX dealership and obtained financing from GM Financial. I made all of my payments on time, without any late payments or less than the amount required. In XXXX of 2018 I paid off my loan in full, years in advance. The title was released immediately, however GM Financial then promptly stopped reporting everything related to my account to the credit bureaus. I have a perfect credit report. I do not have a single delinquency, collection, or negative remark on my credit. However, I now have this account on my report which has not been updated for going on 6 months and it is starting to have an impact on my score and my credit worthiness in the eyes of creditors. It does this for two reasons. 1 ) It appears that I have a balance for on a loan that originated on specific date and the balance has not decreased like it should be. While there have not been reported dates and lenders can see that, it isn't being taken into account. It reflects poorly on me. 2 ) When I paid off the car, I did so because I sold it because I unexpectedly moved to XXXX and no longer needed it. It was a relatively new car and I took a large loss on it and I had to take out an unsecured personal loan to cover the difference. So now I have the loan of the personal loan counting against me PLUS this car loan because GM Financial is refusing to pushing that I paid off my account.
I have called GM financial repeatedly about this issue. They have claimed to have updated their system and as a result have stopped reporting to the credit bureaus. I am a software engineer with 15 years experience. I can tell you that you do not roll out a system upgrade like this if you need to take a portion of it offline for 6 months because it doesn't work yet. I was told multiple times that I was back online and it still hasn't been reported. At this point it is impacting my life and and I am unable to obtain financial products that I am seeking specifically because of GM Financial. If I am in this situation and I have a perfect credit report and an income of XXXXyr, how many other people is GM Financial impacting with their sloppy system upgrade?
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| 02/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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-- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX ( XXXX ) To : XXXX Subject : Complaint RE : Acct # XXXX Dear Mr. XXXX XXXX XXXX, The year of XXXX has been an horrific year dealing with covid 19 virus, systemic racism, election and economy issues. And just when we think things could not possibly get worse, GM Financial sends us a letter with unfair and dishonest practices.
Please allow us to explain.
On XX/XX/XXXX, we entered into a 39th month lease agreement with GM Financial. Term was approved at 12,000 miles a year. On XX/XX/XXXX. all 39 payments were paid and the car was returned to the same dealership in which we purchased it. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX XXXX. The mileage was noted at XXXX and we turned in 2 sets of keys. XXXX complimented how great the car looked.
On XX/XX/XXXX, we received a condition report that reflected charges for XXXX. We did not understand this. As we reviewed the charges, the disposition fee of XXXX is what we understood to pay when the vehicle was turned in, However, in further review, we found that XXXX was for excess wear charge. Then, there is an excess mileage charge noted for XXXX. And lastly, a tax charge for XXXX.
The XXXX is not a correct charge that included a missing key set. Please contact the dealership - XXXX XXXX will confirm that we turned in 2 key sets. This is a fact. So putting this on the report shows clearly that these charges are made up.
The XXXX for excess mileage is also incorrect. The lease agreement signed on XX/XX/XXXX states the mileage on the vehicle when we took possession was XXXX and when the vehicle was returned the mileage was XXXX, so we drove the vehicle for 39 months and put XXXX on the vehicle. We did not go over XXXX in 39 month while leasing it.
Lastly, we know that this is not right or fair. Our family has suffered so much this year, and we can not pay for something we do not owe. We do owe the disposition fee of XXXX as that was explained to us when releasing the vehicle. But that is all we owe.
Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
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| 10/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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Thank you for taking the time to review my complaint. Below is an email that I sent to GM Financial on XX/XX/XXXX, in regard to my family 's 2 leases through them. I have not received any correspondence from them to my knowledge, and really just need the 2 late payments removed from my credit report.
To whom it may concern at GM Financial : I am writing to dispute the negative reporting on my credit bureau that was due to your negligent website, dating back to XX/XX/XXXX/XX/XX/XXXX. As you may recall, GM Financial underwent a seemingly major website overhaul, or website maintenance period where inaccurate account information was shown. We have 2 current leases with GM Financial, and I log in to pay them twice a month. At that time, I was neither unable to log in to my accounts, NOR was I able to reach anyone with your company as the customer service department was not taking calls.
Once it was " fixed '', there was a past due notice on the main payment screen where both leases are listed, but not once I clicked on " make payment '' on either account so I assumed everything was on track. I've attached a screenshot of how the actual payment screen looked at that time, and as it still looks today. You can imagine the confusion that ensues from the complete lack of cohesion and transparency on your website. No matter what the main payment screen says, the ACTUAL payment screen ALWAYS shows zero for every line. The user must open a new browser screen or flip back and forth between the main page and the payment page to make sure they are free-typing in the correct payment amount.
This is completely ridiculous. I pay every other family bill online and your site is by far the worst interface to deal with. At the very least, I recommend fixing it to reflect accurate payment information on the main payment screen, among other customer focused upgrades that are necessary to avoid future problems for your company.
I kindly ask that you remove the negative reportings from my credit bureau ( the 2 30+ days late payments from earlier this year ), due to your negligence and extreme customer service shortcomings.
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| 04/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XX/XX/2016, I entered into a purchase agreement of a XXXX XXXX XXXX with GM Financial. In the same year I had to declare bankruptcy, chapter XXXX which became discharged in XX/XX/XXXX of the same year. I decided to keep the XXXX and continued making payments. I will attach each statement I was able to download through GM 's sight.
I have taken my financial obligations very seriously since the bankruptcy and have tried to get my credit back to the 700-800 range. I am finding it very difficult to do so and have now had to hire a credit repair service because the scores remain stuck in the 678 range. I have been in the XXXX XXXX for the past 16 years and am very aware of how the algorithms for mortgage lending work. Only a few are approved through XXXX XXXX and licensed originators all use the exact same ones. It is a shame that consumer reporting agencies use other ones, but that's not the point.
I feel GM has directly violated the FCRA by not reporting anything to the credit bureaus since XX/XX/2016 and are not threating to do so illegally. I have direct email correspondence in email through a team lead there at GM stating a repossession order is going into effect at the end of next month. I tried to make a payment and setup a payment plan for at least three to four hours this morning and have found out why it has been unsuccessful.
I have proof of the payments I made in XX/XX/XXXX and XX/XX/XXXX and question why two reps at GM have told me the repossession order was already in effect. In attempting to make a payment through GM, this was the case too as I was blocked. Finally the last rep I spoke with confirmed the order and after transferring me to XXXX XXXX fast pay ( or something like that ) it was all confirmed because the rep there said this account was in repossession status. The order has been set in motion so I decided to pull off the road and park the vehicle somewhere safe and notify them of its location. I informed the store and they were ok with me leaving it there. It is right across from a police precinct in plain view safely parked. I walked 5 miles home and wonder how this is legal.
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| 01/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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On or around XXXX of XXXX my vehicle was repossessed by company GM Financial. After the vehicle was repossessed I was never contacted nor given any information as to the whereabouts of the vehicle. Not being notified nor given the information made it a problem for me to either get the vehicle back or collect all of my belongings from the vehicle. As stated by both Maryland ( state vehicle was purchased ) and North Carolina ( state of repossession ) : Under the laws of the State of NC ( State of repossession ) : Before reselling your vehicle, the repo company and or creditor must provide opportune time to redeem the vehicle and/or possessions prior to being sold at an auction. Before selling the vehicle at a public sale, the creditor must notify you of the date, time, and place of the sale. You may attend the sale and bring bidders if you want. If the creditor sells your car at a private sale, the creditor must notify you of the date after which the car will be sold.
Under the Laws of the State of MD The Maryland Department of Labor ( State of vehicle purchased ), a creditor may issue a Discretionary Notice at least 10 days prior to repossessing the vehicle to all signers on the loan by personal delivery or by certified or registered mail. You are not required to pay any repossession expenses if the creditor failed to issue you a XXXXiscretionary Notice. Also, send a Required Notice to you by registered or certified mail within 5 days after the repossession of the vehicle and retain the repossessed vehicle for 15 days allowing you the opportunity to reinstate the contract.
I was never given any information now was I contacted about the above info. On XX/XX/XXXX I sent out a letter ( certified mail by USPS ) in order for company GM Financial to provide me information in support of the above information in which they received this letter on XX/XX/XXXX at XXXX XXXX Today is XX/XX/XXXX, and I have yet to receive any information from the above company GM Financial. I have disputed this information with all three major credit bureau and have yet to receive information from anyone concerning this matter.
|
| 03/03/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I had auto lease car with GM financial. I set up auto pay at the beginning of the lease and payments were automatically withdrawn from my account for 23 months. The last payment should have been withdrawn in XX/XX/XXXX. I assumed that like the previous payments they would withdraw it automatically. I usually check to make sure it was withdrawn. However, being a pharmacy manager at a community pharmacy, I was busy preparing to receive and administer the covid vaccine at my pharmacy that started on XX/XX/XXXX, I didnt check this time. On Sunday XX/XX/XXXX, I get an alert about a negative activity on my credit report, when I looked into it, it was a 30 day late payment on my leased car. I paid it up on discover and called GM financial asking why the last payment was not automatically withdrawn, I got 3 different answers : one was that I stopped auto payment in December and they received a confirmation. I told the representative that this was fraud because they can check that I havent opened the account since I set the auto pay 2 years ago. Then the second representative said that you scheduled the auto pay to end on XXXX not January 2 years ago! Then when I asked to spear to a manager, the manager stated that I had to pay the final payment manually! And that since they received the payment late, that cant do nothing about it. I asked to speak to a higher manager and was told he is busy and I can leave a voice mail and he will get back to me. Its been over 10 days now and he hasnt called. When I asked the representatives why I didnt get any alerts of the late payment or reminders, they claimed they called but I didnt receive any calls. I do receive e-mails form GM financial about services and rewards, but no e-mails about late payment or auto payment stopping. Ive had leased cars before and never had such a problem before. I disputed the late payment on my credit report but bank still wont remove it. Never had a late payment. I tried everything I could to remove it, but bank is not cooperating and representatives are were not nice about it. Tried to find excuses for the deceptive procedure they have.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Older American |
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Made loan application to GM Financial XX/XX/XXXX. XXXX received XX/XX/XXXX stating loan couldn't be approved " based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. '' Sent letter XX/XX/XXXX " requesting disclosure of this information under terms of the Fair Credit Reporting Act. '' XX/XX/XXXX, XXXX PST-phone call to GM Financial ; XXXX unable to take call due to high call volume. '' Called back @ XXXX ; on hold until XXXX ; XXXX transfers me to Funding Dept-GM Financial Americredit ; XXXX transfers me to Customer Service; I was instructed to contact dealership for my requested information. I decided to give GM Financial time to respond to my written request before proceeding.
XX/XX/XXXX XXXX PDT-called GM Financial @ XXXX, the number on the original letter. XXXX transferred me to credit department ; I was on hold for four minutes, then got a busy signal ; called back at XXXX ; XXXX pm-agent tells me I must go through dealership.
XXXXonline chat with XXXX XXXX, XXXX XXXX ; XXXX took my information XXXX promised call back from dealership ; XXXX from Sales called me, I explained the nature of my business, he transferred me to the Finance Department ; I got the voicemail of XXXX XXXX, I requested a call back , got no response.
XXXX email to XXXX XXXX explaining my situation and XXXXequesting information-did not receive a response.
XXXXsubmitted a complaint online at the GM Financial website. Their response on XX/XX/XXXX by email : Unfortunately, because we are an indirect lender, we are not able to discuss loan applications directly with customers. If the dealership is not able to provide you with any specific information about the reason for denial, you will receive a letter from GM Financial confirming that we were not able to approve a loan. That letter will contain instructions for obtaining the specific reasons for denial. '' XXXXSubmitted a second letter to GM Financial requesting a response forthwith to my request. I have not heard from them as of this writing.
I am beyond frustrated with GM Financial.
|
| 10/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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I previously submitted a complaint on XX/XX/XXXX that I initiated a consumer credit transaction at XXXX XXXX on XX/XX/XXXX with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
GM previously responded back as if I my complaint was about a inquiry ( which it should be ), it was not ; and that I had applied for a XXXX XXXX XXXX this consumer transaction. My credit application was initiated on a XXXX XXXX XXXX XXXX XXXX. My main focus is that this was a fraudulent transaction. GM Financial is in violation pursuant to 15 USC 1642,15 USC 1681m and CFR 1002 because I the consumer initiated a credit transaction in good faith, but credit was not issued.
Furthermore, this is violation of 1602 ( p ) because my SSN ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on GM 's behalf.
|
| 03/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Truth-in-Lending Act ( TILA ) is a federal law that is apart of the Consumer Credit Protection Act.
Fact, the purpose of the Truth-in-Lending Act ( TILA ) is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to her and avoid the uniformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices, and I have been abused and deceived so be it.
Fact, affiant is aware and has proof in attachment labeled as Exhibit B that GM Financial is in violation of 15 U.S. Code 1605a ( c ). This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligor loss, and or property damage. GM Financial did not include my insurance in my finance charge.
Fact, affiant is aware and has proof in attachment labeled Exhibit B and Exhibit C that GM Financial is in violation of 15 U.S. Code 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. GM Financial in fact took a {$1500.00} cash payment as shown in Exhibit C.
Fact, affiant is aware and has proof in attachment labelled Exhibit A-G that GM Financial is in violation of 15 U.S. Code 1611. GM Financial willfully and knowingly failed to provide/disclose information required under 15 U.S. Code 1601. GM Financial is now civilly and criminally liable.
|
| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
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On or about XX/XX/XXXX I contacted GM Financial to seek a lower monthly payment. The customer rep I spoke with put me on hold after looking over my account and told me that she would be asking her supervisor about a rewrite for my loan. She explained it to me and rotated my account and said she would forward this for review for approval. When a few days went by I called GM back and explained the situation and that no one had called me back concerning the rewrite I was pushed through to XXXX XXXX and he informed me that I was approved for the rewrite and after I made a payment for XXXX that was late my account would be current and the paperwork for the rewrite would be emailed to me and I would then have to sign and mail them back. XXXX went over the terms and payment amount which were great and I was very happy : 8 % interest monthly payment of {$400.00} and term of 12 months added to my current loan. I said I would take it as it lowered my payment {$160.00} dollars. My husband and I have been struggling with the payment over the years due to his layoffs. I had looked into refinancing but nothing worked out. On XX/XX/2018 I got a call back from XXXX whom I had to call the day before to ask where the papers .I need to sign were since they were not emailed to me ... he told me that now I am denied the rewrite. GM is denying all rewrites until further notice. How can they go back on their word? This information was documented that I was approved. They lied and were deceiving to me and my husband and gave false information I doubt they were going to even do the rewrite at all. I was a month behind on loan payment and called them seeking a solution to high payment due to hardship not wanting to voluntarily have car repossessed as last resort and they gave me hope made me believe that I would get paperwork to sign and have to send back before XXXX payment was due so that I would get the lower payment to start for next payment. I was waiting to do all that prepared to pay for documents to mail back to them quicker only to have been lied to. I'm stuck now with not knowing what else I could do.
|
| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
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This letter is in regard to the XXXX XXXX XXXX.
This vehicle was purchased on XX/XX/XXXX of XXXX. The finance company GM Financial violated the Service members relief act ( SCRA ) by repossessing our vehicle on XX/XX/XXXX of XXXX without a court order. Which is illegal under the SCRA. The SCRA prohibits creditors from repossessing personal property, including your vehicle, without a court order, based on breach of a contract you entered into prior to XXXX XXXX military service. That means that even if you violate your contract by, for example, failing to make your monthly payments, the creditor must first file a lawsuit and get an order from a judge before your vehicle can be repossessed. We never received any court orders, nor did the lender ( GM Financial ) send any notification of the repossession. Neither did the repossession company identify themselves.
the protection applies only if you : * purchased or leased the vehicle, or other personal property, before entering military service ; and * made a deposit or installment payment on the vehicle, or other personal property, before entering military service.Which BOTH applies to this situation. The SCRA rights are being exercised.
SCRA rights may be exercised by anyone holding a valid power of attorney for the servicemember. Some SCRA protections also apply to dependents.
To resolve this violation rather than taking legal action we would like the property ( vehicle ) along with the illegal down payment ( XXXX ) returned and restitution for pain and suffering this has caused. If the down payment, payment of restitution, and property is not returned legal action will be rightfully taken!
* A person who knowingly resumes possession of property in violation of subsection ( a ), or in violation of section 3918 of this title, or who knowingly attempts to do so, shall be fined as provided in title 18, or imprisoned for not more than one year, or both.
* ( 1 ) may order repayment to the servicemember of all or part of the prior installments or deposits as a condition of terminating the contract and resuming possession of the property ;
|
| 10/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
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Web |
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On XX/XX/XXXX I purchased a white XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA. The vehicle is financed through GM Financial. The vehicle that I test drove on XX/XX/XXXX had remote start and power liftgate. The vehicle that I picked up on XX/XX/XXXX did not have these features. I did not notice that these features was missing immediately. Additionally, I was not informed about the missing chip for the park assist by the dealer only through calling XXXX XXXX XXXX. Furthermore, I have reached out to the dealer, gm priority care, gm financial, and the XXXX XXXX XXXX in regards to the issues that I am experiencing with this $ XXXX purchase. ( XXXX ) Complaint has been filed with the XXXX against XXXX XXXX of XXXX. ( XXXX ) Complaints have been filed with the XXXX against General Motors. There has been no resolution in this matter. Lastly, the dealership has lied and stated that I shuffled ( throwing ) some papers around to give reason why I am not allowed on their premise. The dealership can not provide proof of any such behavior, because it never happened. However, this is untrue and is defamation of character. Additionally, I have video recordings for my protection each time that I was on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX representatives have been upset with me since I submitted a bad review to XXXX on XX/XX/XXXX in regards to this vehicle sale. Lastly, I have the phone recordings of conversations with XXXX XXXX ( Sales Manager ). Including agreeing to take care of the equipment issues. Also, the conversation when I attempted to schedule the appointment that he requested to observe vehicle. Per phone this recording you will be able to hear the belligerence from from XXXX XXXX towards me for asking the representative XXXX, do they provide loaner vehicles?. XXXX got on the phone and stated that " I was giving her a hard time ( referring to XXXX ) and that I am not in the drivers seat in this matter ''. Overall, I have experienced disrespect, XXXX, and bad customer service with this dealership. Additionally, I am a victim of a bait and switch car sale.
|
| 02/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On XX/XX/XXXX I returned my XXXX leased vehicle to my XXXX dealer. The lease was financed through GM Financial. As part of the agreement to re-lease a newer vehicle, the dealer took care of the negligible mileage overage and it was a clean return. This was confirmed by GM Financial on multiple occasions, both in writing and later by phone. In XX/XX/XXXX I received a phone message from an unidentified caller asking me to call back, never saying who they were with or the nature of the call. I believed it to be a spam/scam call. When I received the call again in XX/XX/XXXX, I did return the call to find out it was GM Financial. Note : I have two current leases with GM Financial and have never been late on any of them. Initially, the representative could not determine why their system had prompted them to contact me, as my accounts showed current. Upon further investigation they showed a $ XXXX remaining balance on my RETURNED lease account but indicated that it should have previously been removed from the account and apologized for their oversight. It should also be noted that at NO time has GM Financial sent me anything indicating that I owed anything on the returned lease. On the phone, they indicated that the {$5.00} charge was due to an error on their end. I was assured it would be corrected. It was not until I inquired further, that it was revealed to me that our account ( my husband is co-owner ) had also been negatively flagged as late for the past several months and reported to the credit reporting agencies. I was assured at the time that the account would be cleared up preventing further negative ratings and that the erroneous negative delinquencies would be corrected. To date, I do not believe this has occurred and am unable to get resolution through GM Financial. I received another unidentified caller message again today. So I can assume they are once again calling because it still shows " late '' in the system. Our previously excellent credit rating has dropped considerably. We have had long-existing credit cards which have lowered our limit due to our negative rating.
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| 05/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I was in an accident on XXXX XXXX , 2016. I continued to pay until the insurance and GAP company paid. The final payment from the GAP insurance was cashed by GM Financial on XX/XX/XXXX . I paid XX/XX/XXXX another payment as there was still a balance. I paid 2 payments in XX/XX/XXXX as I was trying to pay off the loan. I found out when I applied for credit and my car insurance company went up on my rates that I was being reported as delinquent in payments. I checked my credit report to find that GM financial was reporting me as 30 days late. I tried to go on line to the GM Financial web site and look at the payment history which is inaccurate. It shows all payments from XX/XX/XXXX on, as being received in XX/XX/XXXX , when only one payment was received in XX/XX/XXXX . I tried several times to speak with GM financial because the online bill reporting is very confusing and inaccurate and they have repeatedly told me that the payments that came in from the insurance and GAP do not count towards any payments on the account even though the online statements state payment received so how is it not a payment. According to them even though the received a payment in XX/XX/XXXX from GAP and they repoprt it online as payment received that it does not count as a payment because it was not from me. I am attaching the statements for the months involved. Please help me. I feel I have been deceived by the online statements which are not accurate at best and misleading at the worst. When I spoke to a representative in XX/XX/XXXX it was only told to me that I needed to continue making payments until the car is paid for. They claim they told me that I was behind on my payments and that is not the conversation that I remember having with the representative. And when I told them that I may have to contact an attorney to resolve this issue because this does not seem proper they threatened that they would not be able to speak with me any further regarding my account. I have continued to make payments toward the remaining balance and will continue until it is paid in full.
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| 08/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Upon receiving a text message to come to XXXX XXXX and inquire about XXXX XXXX XXXX. I went to the dealership and advised that this would be a Consumer Credit Transaction per 15 U.S.C. 1679 ( a ) Which states " ANY transaction in which credit is offered or extended to and individual for personal, family, or household purposes '' I Let the rep know I did not mind extending my credit to secure and instrument via text we set up an appointment for XX/XX/XXXX at XXXX They ran my credit and I was denied. I informed the finance manager that according to 15 U.S.C 1681 ( B ) a consumer can not be denied and extension of their own credit. I called the banks that I was told denied me which was XXXX XXXXl, GM Financial and XXXX XXXX. I was told XXXX XXXXXXXX is an XXXX and federal Law does not apply to XXXX. And the other two banks sent me in a runaround, hung-up on and was rude. From my understanding when you put in an application that's what pays for the car because it is a Process, which technically is considered a cash proceed. I advised that multiple people that my federal rights was being violated and everyone ignored me and didn't even bother to look up the code. From my understanding Per 15 U S.C. 1611 criminal liability for willful and knowing violation because this information is public information it is not my fault they do not know this. Also advised that per 15 U.S.C 1679 ( a ) when " when used in connection with information on ANY consumer means all information on that consumer recorded and retained by a consumer reporting agency regardless of how the Information Is stored. I am seeking remedy for this unfortunate situation, Once again I am a consumer and I went to extend my credit which they offered me to extend by asked if I needed a vehicle and offered a test drive that I never got via text message. And they still denied me. Per 15 U S.C 1601 Congress finds that economic stability would be enhanced and the competition among the various financial institutions and other fines engage in the extension of consumer credit would be strengthened by the informed use of credit.
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| 01/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
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Web |
|
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Company : .Gm Financial Address : XXXX XXXX XXXX City/ State/ Zip : XXXX XXXX XXXX RE XXXX Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
|
| 05/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am attaching the payment report that GM sent me showing the XX/XX/XXXX payment was made on XX/XX/XXXX which was only 18 days late. I have verified this with your call center staff. I have asked that this be corrected on my credit bureaus and it remains incorrect.
Furthermore, on XX/XX/XXXX, I called and asked for a deferment. I made a payment of {$800.00} and was told that the deferment was good to extend the loan by two months and that I was now current and told that my next payment would be due XX/XX/XXXX. I paid some other things with the money I would have used for GM payments because I was told I had a deferment. I made a half payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$400.00} and another half payment in the amount of {$390.00} on XX/XX/XXXX which I believed to take care of the XX/XX/XXXX payment. I then paid what I thought was my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, and XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}.
When I looked at my credit report on XX/XX/XXXX, I was shocked to see late payments reporting from GM. I immediately called and complained and made a double payment in the amount of {$1600.00} on XX/XX/XXXX in order to bring the account current according to your records even though I believed it to already be current because of the previously offered deferment.
I was promised a deferment on XX/XX/XXXX when I called and spoke with your staff. I was not given the deferment that I was promised causing serious damage to my credit rating.
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.
This is the third time IPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
GM FINANCIAL # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA.
Sincerely,
|
| 08/14/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I had leased a vehicle thru GM Financial for 36 months, my account was on auto-pay and the lease was paid each month on time. On XX/XX/2019 i returned my lease to XXXX and wasn't told of any outstanding charges, Never received a bill or any correspondents i.e. Mail, Email, text, phone stating that i owe any monies. On XX/XX/2019 i received and alert from my credit monitoring of a delinquent account from GM Financial in the amount of {$600.00}. I immediately contacted GM Financial and was told two things one, that the amount shown was and the correct amount was {$430.00}, a charge hidden in the lease agreement ( not transparent and upfront ) for returning the vehicle and not leasing another XXXX vehicle. Second, they admitted to having a wrong address on file where they supposedly sent me the bill, I was told that they would they updated my address and that they would resend me a new bill with the correct amount and also remove the negative hit on my credit report and send me confirmation of that as well.
I've been waiting ever since for those notices and NEVER received anything, Called many times thereafter and was told that notices were sent out still nothing was received.
On XX/XX/2019 i contacted the again and was told the notices were again sent out but the wrong address '' again '' OOPS! what incompetence. I then requested to just make a payment over the phone and was charged an additional {$10.00} processing fee in addition to the {$430.00}. Again i was told that i will be receiving email confirmation of my payment and ad letter stating that the delinquent account will be removed from my credit score. The Money was drafted from my checking account but no email confirmation 'of course '.
On XX/XX/2019 i received another notification from my credit monitoring of a new negative account this time in the amount of {$430.00} this is after the money was already drafted from my account. This is causing my a lot of stress as well as financial loss as i can't obtain credit for my business, cant take advantage of the lower interest rate to refinance my home etc.
|
| 02/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a lease vehicle with GM Financial which was involved in an accident on XX/XX/2019 ( not my fault ) and was a total loss so GM Financial agreed to an early lease termination. The driver at fault did not have insurance so my insurance company ( XXXX XXXX ) sent a payment on XX/XX/2019 in the amount of {$22000.00}. I was told at that time that GM Financial carried GAP coverage which would payoff any remaining balance. I assumed with those two payments the account was paid in full and was never contacted by or received any statements from GM Financial stating there was any balance remaining after the XXXX XXXX and GAP payments were made. On XX/XX/2019 ( 9 MONTHS LATER ) GM Financial reported to the credit bureaus that I had a balance remaining of {$12000.00} and had 6 missed or past due payments. AGAIN, FOR 9 MONTHS I WAS NEVER INFORMED THAT THERE WAS ANY AMOUNT OWED TO GM FINANCIAL. I called GM Financial on XX/XX/2019 to discuss the information reported to the credit bureaus. I was then told I had a balance due of {$460.00}. The GM representative was VERY RUDE and said I should have known there was a balance due. I told her I was not aware of the balance due and if I had been informed about it I would have paid it immediately. I asked why I never received a statement for the balance due after they received insurance payments and she said they don't have to send me anything and that it was my responsibility to know or to call to see if there was a balance due, which is ridiculous. I am XXXX years old and of the many companies that I have done business with over the years not one has ever said I should just know I owe them money or that I should call them to find out how much!! I told her I was willing to pay the balance due immediately if they agreed to correct the information with the credit bureaus. She refused and said if I didn't pay they would report it to collections. When I said that I was disappointed with the way they were treating me & that I probably wouldn't do business with the company again because of this she said that was " fine with her ''.
|
| 05/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
ON WED XX/XX/XXXX MY HUSBAND AND I RECIEVED AN EMAIL FROM GM FINANCIAL FOR A BALANCE OF {$740.00} AND ANOTHER PMT THAT WOULD BE DUE XX/XX/XXXX BUT WE QUALIFIED FOR A DERFERMENT WHICH WOULD PUT TWO FULL PMTS AT THE END OF THE LOAN BUT NEEDED TO CONTACT THE OFFICE BY XXXX. ( THEIR LOCATED IN XXXX ) I REPLIED VIA EMAIL TO THE SENDER ( XXXX XXXX ) IF WE COULD PAY {$300.00} NEXT FRIDAY XX/XX/XXXX ON HUSBANDS NEXT PAY BUT WAS NO REPONSE OR CALL BACK FROM HER OR ANYONE. I THEN ATTEMPTED TO MAKE ARRANGEMENTS BUT MY HUSBAND HAD TO TAKE THE CHANCE OF BEING FIRED WHILE BEING ON HIS PHONE AT WORK TO CALL AND GIVE THEM PERMISSION TO DISCUSS THE ACCT WITH ME. WE HAD ALREADY SENT IN THE PROPER DOCUMENTATION REQUESTED BY GM TO BE AUTHORIZED TO SPEAK WITH ME BUT HIS HAS ALWAYS BEEN THE ISSUE EVERY TIME I'VE HAD TO CALL THEM. IN ORDER TO COMPLETE THE DEFERMENT MY HUSBAND AGAIN HAD TO BE SPOKEN WITH TO GET A PIN NUMBER TO AGREE TO THE PROCESS AND WE WERE TOLD IT WAS {$52.00} TO FINALIZE THE AGREEMENT SO I USED XXXX XXXX AND DEBIT CARD TO PAY A TOTAL OF {$60.00}. IT WAS AFTER THAT WE WERE TOLD THE REPO COMPANY COULD STILL COME OUT FOR THE VEHICLE BUT WE KEPT OUR FAITH THAT WE WOULD BE OK AND THINGS WOULD WORK OUT AND WE'D GET BACK ON TRACK. MY HUSBAND LEFT FOR WORK THIS MORNING AT XXXX AND AROUND XXXX SURE ENOUGH XXXX XXXX XXXX XXXX XXXX WAS LOADING UP THE TRUCK. THE DRIVER WAS FRIENDLY BUT WAS GIVEN ORDERS TO COME GET HE TRUCK SO ONLY DOING HIS JOB IT WAS GM WHO DIDNT GET THE DOCUMENTS TO THE REPO COMPANY TO SEIZE THE REPO IN TIME SO NOW THEY SAID THE DEFERMENT NO LONGER IS AVAILIBLE AND TO GET THE TRUCK BACK WE NEED TO PAY {$1400.00}. MY HUSBAND JUST STARTED WORKING 10 HOURS A DAY AND WE HAVE XXXX DAUGHTERS XXXX AND XXXX WHO I NOW HAVE NO TRANSPORTATION IN THE EVENT OF AN EMERGENCY ISSUE AS WELL AS I WAS DIAGNOESD WITH XXXX XXXX SO HAVE HAD TO SCHEDULE MY APPTS. WE ARE VERY DISATISFIED WITH THE TREATMENT WE HAVE RECIEVED FROM GM AND HURT A FINANCE COMPANY IS MORE THAN WILLING TO SHATTER LIVES RATHER THAN WORK WITH MORE COMPATION WITH PEOPLE WHO HAVE ROUGH TIMES FINANCIALLY.
|
| 11/24/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On Saturday, XX/XX/XXXX, as I was leaving to take my daughter to XXXX, GM Financial repossessed my car. I was unaware my automated payments were discontinued, which caused a default. While the vehicle was on the tow, I spoke with two different GM Financial representatives, explaining that I did not know payments were discontinued and that I would be happy to pay the delinquency in full, as well as any out of pocket costs GM Financial incurred. GM Financial indicated they did not have a process for that and took the vehicle. GM Financial did not have a current phone number for me and did not mail me any notices to the XXXX XXXX address on file because, as they explained, I elected to receive paperless statements. I receive monthly emails from GM Financial indicating that " my statement is ready for viewing. '' I do not click on the view link. The emails over the last 90 days were the same as I have received over the last 2.5 years. I also would not notice GM Financial 's cessation of withdrawals from my checking account because the monthly payment is extremely low and not something I monitor. GM Financial did not contact GM proper for my current contact information, who has my current contact information as I service my vehicle with GM and have been in recent discussions with GM for new leases for my family this spring. I have also been in for service within the last 90 days. GM Financial also did not XXXX my name, the 1st search result of which would have been the direct dial to my desk. I spoke with three GM Financial representatives on Saturday none of which would tell me why my automated payments were discontinued. I talked to my XXXX year mother last night because the GM Financial representative indicated they called her. My mother said she received daily calls from XXXX, according to the caller ID. My only concern is the reporting of a delinquency on my credit report. I don't care to waste time pointing fingers. According to the website, the past due balance is {$1100.00} ( 94 days ). I will not be permitted to pay until XXXX Monday. Please assist.
|
| 02/27/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I have a 36 month lease for a XXXX XXXX XXXX through GM Financial that was initiated in XXXX of XXXX. In XXXX of XXXX we moved to a new address and advised GM Financial of our move. Our XXXX, XXXX, and XXXX of XXXX bills were all sent to our new address. Then in XXXX the XXXX bill did not show up. I tried calling them, but no one answered the phones. I went to the web site and it was only semi-functional, but there was a message saying their customer service office was closed, no explanation, and would reopen in XXXX! With no other option I copied an old bill, attached a check for the correct amount and mailed it off. This month I got a bill to the correct address, which I promptly paid. Today I got another bill sent to my wife 's name, to our old address, with a charge of {$25.00} for an " EARN TAX, '' and when I called customer service their automated line also had this amount identified and said it was PAST DUE. I sat on hold for about half an hour and finally talked to a customer service rep named XXXX, who was very cavalier and smart XXXX about the whole situation. I worked for XXXX for over 32 years, the last 10 years in XXXX 's Disaster Recovery line of business with the largest businesses and govt. agencies, including State of California for many years. I have a very strong suspicion GM Financial had a major failure or hack of their system and in the process of restoring loaded some bad tapes, at a minimum. I know that GM Financial has thousand 's of customers in California and all of them were victims. The customer service rep tried to guarantee me this would not hurt my credit and that the problem was fixed, but I have a low level of faith at this point. GM has a long history of taking short cuts that put their customers and not just financial but also physical risk. Shame on me for not remembering that before I leased a car from them. I do think this matter should be looked into at the highest level and proper action taken. GM Financial has failed their fiduciarly responsibility to their customers, their stock holders, and the general public.
|
| 07/02/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have a lease for a vehicle with GM Financial. In late XX/XX/XXXX/early XX/XX/XXXX, they made changes to their website and this caused issues to first, pay my bill on time ( they did provide advanced notice so I accepted that I didn't make the payment early enough for the cutoff and paid the late fee associated ), and second, after they made the website changes, the information on the website reports inconsistently. Each month, various statements reflect different amounts owed. I made a large payment in XX/XX/XXXX, thinking I had cleared up all inconsistencies, however, they continued. In XX/XX/XXXX, I received a statement in the mail that reflected I owed over {$3000.00}, when I log in to the website the front page tells me I owe around {$2000.00}, and then when I go in to make the payment it tells me I owe {$0.00}. I spoke with a representative in XX/XX/XXXX when I made the large payment who told me all was cleared up, and my balance was XXXX, however, the online balance continues to show thousands of dollars. I'm completely confused, and have zero confidence that GM really knows how much I owe them. Plus, I started thinking that maybe it shows I owe a XXXX balance on the payments page because I overpaid back in XX/XX/XXXX. On XX/XX/XXXX, I spoke with operator XXXX who was quite rude to me, telling me they look forward to my CFPB complaint and I should just accept that the error they have on the website is not a problem and keep making payments. I tried to tell her I'm confused and don't know if I really need to, it was my understanding this issue was resolved months ago, but she just referred me to the contract and told me they look forward to getting my CFPB complaint. So I hung up. My request is that I will pay whatever I owe, but I want confirmation that it's accurate, and I'd like them to waive any late fees I currently owe because this is the result of them inaccurately reporting what I owe vs. me not paying. I have made every payment on this vehicle for over three years and have terrific credit. I appreciate any help you can provide me.
|
| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
About a month ago, I personally notified -GM Financial a dba under Amercredit- about the notice to rescind, or the confusing term of my car loan that did not mentionned GM Financial as my loan servicer, and was not present while I signed the car loan.
Legally I have no legal biding contract with GM Financial because they are not my seller-Creditor and the finance charge does not mention Americredit or GM Financial in any capacity.
I called GM Financial claiming my right to rescind a contract I never signed and claimed my right to petition the court to stop the harassment and violation of Privacy I was being subjected to everyday.
GM Financial sent me a notice, and intent of repossession on XXXX despite the fact that I told them that I have a XXXX and filed a civil lawsuit under Maine Consumer Protection Laws.
I had to make a payment on Saturday XXXX to prevent reboot call, harassment, intimidation, and threat of repossession.
I am seing a Dr at this time due to my underlying XXXX and XXXX XXXX. If this harassment persist I could end up in a Hospital with a XXXX XXXX and XXXX XXXX I would like cfbp to investigate this issu and mediate my complaint to best of his capabilities. The unfair Trade Practice is illegal and I have the right to have my private data protected and my car not repossessed. GM Financial has reported two late payments that have reduce my credit point and cause significant stage of anxiety and emotional distress.
I never Signed a contract with them and never agreed to have my private date share online without my consent this a blantant violation of Federal and State Consumer and Privacy Laws.
XXXX XXXX XXXX In XXXXXXXX XXXX is currently looking into this issue because I request an accommodation due to my XXXX XXXX and XXXX XXXX. I don't want my car illegally repossessed. I have already notified the office of Texas Attorney General about this issue.
The Judge in Superior Court, of the XXXX XXXX of the State of XXXX is currently conducting an investigation and Will notified the defendant at his earliest convenience.
|
| 09/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Since my lease ended with GM Financial, the amount owed at the end of the lease has changed three times.
Initially I was sent a bill for {$1300.00} but it did not include details on the inspection results for excess wear and tear. I called to get the details and reviewed the inspection results with the agent on a site they use. During the discussion we determined that the amount shown in the inspection did not match the amount shown as due to GM Financial. I was instructed by the agent to wait a couple of weeks while they requested a correction/confirmation of the actual amount due.
After waiting couple weeks, I checked the amount owed on the site and it now showed {$0.00} due. When I called in to confirm if the amount due was correct, I was informed to disregard the amount as it was incorrect. Once the pending adjustments were made, I would receive a new bill for the final amount. I never received the bill.
On XX/XX/2020, I checked the site again and it now showed that I owed {$810.00}. That day, I paid {$410.00} towards the amount due so it would leave me with a final payment of {$400.00}.
When I checked the site again, it now showed that I owed {$800.00} by XX/XX/2020. I once again called to confirm since the prior amount it had shown was {$810.00} and with the payment I made, it should reflect only {$400.00} due by XX/XX/2020 and not {$800.00}.
I was told to disregard the amount shown and that I indeed only had to pay {$400.00}.
Today I logged in to the site to make the final payment of {$400.00} which was agreed upon previously. However, the site still shows that I owe {$800.00} by XX/XX/2020. I once again called to confirm what the correct amount due. The agent confirmed that I needed to pay only {$400.00} and that I should disregard what showed on the site.
While she agreed that the site can be inaccurate, she indicated that they were providing payment information online as a courtesy. They were under no obligation to show the correct amount on the site and that the correct amount due was told to me when I called in.
|
| 12/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
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I purchased a new XXXX XXXX XXXX on XXXX XXXX, XXXX. It was financed through GM Financial XXXX XXXX. XXXX XXXX XXXX TX. I got sick with XXXX and was XXXX in that same year. I fell upon hard times and was ultimately given XXXX XXXX XXXX XXXX. I tried to keep up the payments but I could not so on XXXX XXXX, XXXX I voluntarily surrendered the vehicle. The amount financed was XXXX and residual balance after the sale was XXXX. I received that notice on XX/XX/XXXX which was 14 days after the vehicle was sold at a private auction. It was sold on XX/XX/XXXX. I called GM that same day they offered to settle for XXXX. I explained I did not have that much and was living with my brother, the best I could do was 25 % ( XXXX ) I was told they would check with managment. I did not hear back from them. I responded in writing on XX/XX/XXXX and made them an offer to settle for 25 % or XXXX. I had that much in savings. I told them in the certified letter to advise within 10 days if this was acceptable. I did not hear back from them so on XXXX XXXX I sent them another letter advising I was sending a check for full and final settlement of XXXX. They deposited the check so I figured the matter was over. I then got another letter on XX/XX/XXXX offering to settle for XXXX in addition to my first payment. I sent them another certified letter stating I considered the debt settled. Now they call every week daily trying to settle on the full amount of XXXX. I spoke to them today and offered to pay an addition XXXX which was the first settlement offer even thought I was not admitting liab just to get them to stop harrassing me. I was refused and told that I must pay the entire residual balance or they would turn me into a third party collections agency. At that time I withdrew my offer of {$1500.00} additional to settle. I think I have done everything possible to amicably settle this matter even though I feel my liabiliy ended when they accepted my full and final settlment check. Please resolve this matter as the stress they are causing me is affecting my XXXX.
|
| 08/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
The following violations of the US CODE TITLE 15 COMMERCE AND TRADE have been committed by GM FINANCIAL in the contract with : 15 USC 1605.Finance charge defined except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 15 USC 1603 Credit Transactions, other than those in which a security interest is or will be acquired in real property, or in personal property used or expected to be used as the principal dwelling of the consumer and other than private education loans are exempted transactions. 15 USC 1602 ( L ) Defines the term Credit Card as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 USC 1631. Disclosure requirements ( b ) If a transaction involves one creditor as defined in section 1602 ( f ) of this title, or one lessor as defined in section 1667 ( 3 ) of this title, such creditor or lessor shall make the disclosures. If a transaction involves more than one creditor or lessor, only one creditor or lessor shall be required to make the disclosures. USC 1662. Advertising of down payments and installments ( 1 ) ( 2 ). As a result I am enforcing USC 1635. Right to rescind ( a ) ( b ) ( c ) ( e ) ( f ) ( g ). GM FINANCIAL DID NOT DISCLOSE MY RIGHT TO RECENED. GM FINANCIAL USED MY CREDIT AND FORCED ME TO MAKE A DOWN PAYMENT. I informed Gm Financial of these violations through a Notice of rescission as well as a CEASE AND DESIST letter that was signed and notarized and 15 USC 1692 was quoted but I am continued to be harassed without addressing these violations. Not to mention the contract they have has no bases as my signature was forged compared to the original contract that I have in my possession inwhich my vehicle is assigned to XXXX XXXX XXXX XXXX.
|
| 07/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I recently completed a 26 month lease term 2 months of which were an approved lease extension. I learned as of XXXX that since XXXX. GM had my lease account listed as a total loss. I continued to make payments on time throughout these months due to me being unaware as my vehicle was NOT a total loss. Im the midst of this madness GM had not reported a payment to XXXX since XX/XX/XXXX and XXXX since XX/XX/XXXX. Once the vehicle was returned and the total loss issue was resolved after numerous phones calls, Gm then decide to update their monthly reporting with an incorrect balance. My lease was up as of XX/XX/XXXX but according to my XXXX and XXXX reports, I have not yet fulfilled my lease agreement! TransUnion is showing only 42 % of the balance and term have been completed and XXXX is showing something completely different. I contacted GM where I spoke with both reps and supervisors regarding this issue. The reps tried to tell me that the $ XXXX balance on my credit report were end of lease fees and unpaid balances. I advised her I could send her my payment history ( as o knew she had right in front of her ) to show her this was not right. I spoke with a supervisor who confirmed my end of lease invoice had not yet been generated which confirmed that this balance was not from those fees especially when the 2 reporting agencies have 2 different balances. I have since gotten a new vehicle from a different lender because I want to stir clear from GM. However, according to 2 of the 3 major credit reporting agencies, I have now 2 car loans that I am making installment payments on which aid affecting my credit worthiness due to debt to income ratio issues. The supervisor I spoke placed me on hold for an excess of 25 minutes, came back to the line and advised he now understood my issue and that a rep from the reporting department would contact me within 48 hours. It is now 10 days later and I have not received a call or update. I refuse to call customer service because I never get anywhere and the reps and sups are ALL unprofessional.
|
| 04/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I applied for a vehicle loan through a XXXX XXXX dealership on XX/XX/2023. I was approved funding through XXXX XXXX however, the dealership obviously sent my credit information to several different financial institutions to obtain possible funding. As of today, XX/XX/2023 I have received an adverse action notice from GM Financial that is dated XX/XX/2023. To my knowledge, an adverse action notice is to be presented to the applicant 30 days after the receipt of a completed credit application. This notice was remitted a month and a half later! The letter discloses that I can request the specific reasons for denial by contacting the number within the letter. I tried to contact GM Financial, by the number they provided in the notice, however no one could help me. Their customer service representative demanded that I give my SSN or account number. I was not going to disclose my SSN and I was denied an account. I asked if I could give the reference number mentioned in my letter, and was told that was not sufficient. I then asked to speak with someone about Adverse Action Notices/ Denials and the customer service representative did not understand what I was requesting. The CSR then transferred me to another department, which was dealer services, and that was not a valid department for my issues. I watch my credit closely and do not like when financial institutions do not follow the rules and notify customer that they have denied credit in a timely manner. In this particular case the dealership sent my application to multiple institutions, to which I am only aware of the ones that I obtained an approval from, and the 3 adverse action notices. With receiving such a late notice, I am concerned about the number of times my credit was pulled on XX/XX/2023, which can hinder my score. " Too many inquires in the last 12 months. '' With my concern above, when reaching out to GM Financial, I also wanted to obtain the specific reasons for denial, again the CSR could not help me without me providing my SSN or account number.
|
| 10/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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I obtained a loan with GM Financial in XX/XX/XXXX for over XXXX. On XXXX XXXX, the car was totaled. My insurance company received a payoff in the amount of approximately XXXX. They offered {$14000.00} which was credited to my account on XX/XX/XXXX.
I was past due in my payments and an amount of {$1500.00} would have brought me current on XXXX XXXX. We are now in XXXX and I checked my account which stated I am still past due with a total amount due of {$1500.00}. I have spoken to numerous " agents '', all who have told me that I am still past due because the monies received came from a XXXX party and not me. I raised numerous scenerios, all which irritate the " agents '' more at which one in particular ( XXXX, agent XXXX ) told me the real reason why she is not going to work with me about my concern is because my account is coded as a do not contact and I ask too many questions and I have a " harsh tone ''. These are the questions I asked:1. SO if the check came from an uncle I would be considered late?
- no because he is not a company2. If the check was for the full amount would the late fees be returned to XXXX and I will still be responsible for the late fees?
- no ( no reson was given, it was at this point they begin to argue with the terms of my agreement ) 3. If I received the monies from XXXX XXXX and sent the payment myself then would I still be considered late?
- no, because we got the money from you.
Here I am, unable to get a car because this company wants to be retaliatary and continue to code me as past due. Agent XXXX stated he can not give me anything in writing regarding how they process payments because there is not one available, and other agents have said things from, call an attorney, we already spoke to you about this, or wanting to argue that I still owe because the full amount was not received, which was not the issue in the first place. The issue is how can I continue to be past due on a loan that had a minimum payment due of {$1500.00} but they received payment of {$14000.00}?
|
| 10/31/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
GM Financial, called my mother over and over again, I have written sworn statements from her that I will be using in court since they are trying to sue me. She repeatedly told them to stop calling her and any information that they needed would have to come from me. So they were calling her asking her do so know where the car was, and I was behind in my payments. What 's sad is they went to the measure to tell her that they would give her XXXX XXXX dollars if she told them where the car was. Now remind you my mother is sick and this was happening every single time they called her. Next, the repo man knocked at my door and my family member answered the door and told him the car was n't here then he told her well they going to sue her and start garnishment of her checks. she told him they have to do what they have to do cause it 's not here and plus she do n't work. I just think it 's sad for any company or someone working for the company to tell people in detail your business. I have people coming to court with me to tell the judge what was going on. So I gave the car back and it 's not like the car had to be towed from my house. The repo man drove it away the car was never damage or in accident so tell me how you sell a car for XXXX that 's being reported on there papers. But I have another paper stating that they sold the car for XXXX But XXXX went to the car to make it seem like I made a payment so they could keep it on my report longer I ca n't wait to go to court. I even asked for a payment history and they sent me payments history from XXXX till XXXX mind you I had the car since XXXX Then they sent me paper work with XXXX different amounts for repossession fees for XXXX on one paper XXXX on another paper,XXXX On another paper really which one is it. Then there is a assignment contract which requires Ameri credit and the car company to sign for this to be legal only the car palce sign the letter, which it states that dealer-seller and Americredit must initial well Americredit never signed it at all.
|
| 09/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In 2011 post bankruptcy, I was offered a car loan through an agency that works with post bankruptcy individuals. This loan went through and was approved with a rather high interest rate. I took the car loan out at time d/t the fact that I was a single mother with no running vehicle as my vehicle was in constant need of repair. I had a job with a XXXX mile each way commute and needed to not miss time at work any longer d/t vehicle issues. I was able to make the payments and keep going to work and supporting my sons.
Soon after I took out the loan the finance co. was taken over by GM Financial. I have continued to pay on this loan over 5 years struggling more and more to keep the vehicle running and make the payments, as life continues to happen. Upon, watching my balance I am noticing that over the last year, though I have struggled, I am no closer to paying this off as I am hoping to do the right thing and pay my debt.
I have contacted GM Financial and stated that I feel their late practices are un reasonable and also stating to them that I feel that they are not legal. Not only am I being charged {$50.00} late fee which exceeds 5 % of the entire installment. I am being charged additional interest along with my normal 23 % for each day that I am late. I can not keep up any more. I am paying bare minimal and just trying to give them what I can.
At this point I do not see any hope of ever resolving this. They are stating at this point, I have gone from a 72 month installment to 80 months and it keeps growing. I have tried to resolve by requesting settlement. This is refused. The XXXX value on the vehicle at this point in time is under {$2000.00} and the payoff is still showing almost {$11000.00}.
I need help, I do n't want to go delinquent, I do n't want to rip them off. I just want the right thing done on XXXX sides. I feel completely vulnerable and have considered a voluntary repossession. I do n't like the idea, but I 'm feeling like my options are running out.
XXXX XXXX Ph : XXXX XXXXXXXXXXXX
|
| 01/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Web |
|
|
In purchasing the car from GM Financial, I was clear about not wanting a lease with a balloon payment, quality of the car ( no unreported accidents and/or issues ), an affordable monthly amount, and hidden fees. I purchased the car for approx. {$20000.00} in XXXX. In paying over the years, I continuously questioned why the term amount was not changing yet I was paying almost $ XXXX for a XXXX car only worth {$20000.00}. I also found out after purchase that there were issues with the car including active recalls. The car has been steadily declining and the cost continues to be exorbitant. I've tried to refinance with the finance company multiple times. After two years and multiple agents, I finally started to make headway with completing the refinance promised. Just prior to signing, I realized that I again received misleading details regarding how the refinance would extend the loan not create better terms. During that period, they repossessed the car twice almost doubling the amount due at the time. I was told in XXXX upon last repo, that the payoff amount was approx. {$10000.00}. In the agreement to retrieve the car, I questioned how long before the car would be paid off now having entered the 5th year and still owing half the original amount. I was told that now that all the finance charges were paid, my payments would go towards the principle. However, now in XXXX, I am still paying the same amount monthly and my principle is STILL {$10000.00}!! I have begged the company to explain and assist, their only response is to threaten to repossess the car AGAIN. Even while the payments were within the month due.
I feel I was misled and lied to. Consumers should not have to be victim to such treatment simply because our credit score is low. It is unfair and shameful that companies can get away with this. I have no idea how this car will ever be paid off. I feel like I keep paying and my principle is constantly staying the same. After 6 years, I still own half of the original purchase amount.
|
| 04/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
On XX/XX/XXXX we signed a JOINT ( husband and wife ) 36 months lease for new Chevrolet truck Silverado 1500.
We received TWO separate letters dated XX/XX/XXXX stipulating the terms of the lease. Fortunately the TWO letters referenced the same Lease #.
On XX/XX/XXXX, we received TWO separate billings, one for husband and one for wife. It is important to note here that the due date is the 3rd of each month and the payment must reach GM Financial in XXXX, AZ XXXX. Distressed, we called GM Financial at XXXX on XX/XX/XXXX. We were told by GM rep. that they made a mistake in setting up our lease on their system. We were assured that it will be corrected and that we will receive payment coupons in a proper time frame to be able to make the payments on time. On XX/XX/XXXX, we sent a certified letter to GM Financial Leasing XXXX XXXX XXXX, XXXX, TX XXXX demanding correction of our records. We also sent, on the same day, separate certified letter containing our payment for the XX/XX/XXXX installment and demanding 1 ) combining of our names on the payment coupons and, 2 ) stoppage of sending us double billings for the same lease, 3 ) booklet containing payment coupons for the lease. We kept repeating the same requests with each subsequent monthly payments To make sure we also filed the same complaints on the GM Leasing web site XX/XX/XXXX, then again on XX/XX/XXXX and again on XX/XX/XXXX.
The only response we received from GM Financial was an e-mail of XX/XX/XXXX from XXXX XXXX responding to our Survey of " dissatisfaction '' that we completed before advising us that we better pay our bills on the Internet to avoid double billings. Another change we noticed was that for the XX/XX/XXXX billing they sent us only one billing for the husband but no change reflecting JOINT ownership of the lease. The bills from GM continue to arrive FIVE days before due date. As a side note, it takes approximately 7 days for the US Post Office to deliver our payments from our location to GM location in Arizona
|
| 08/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello. I am currently leasing a XXXX XXXX XXXX. I have been a customer since XXXX. Since I have had this vehicle ( over two years ) my payments have always been made on-time.
Earlier this year, I decided to take advantage of the auto-pay program that is offered. From my end, I appeared to have been enrolled, to my dismay on XX/XX/XXXX, while preparing my taxes, I noticed that I did not have any GMFinancial withdrawals from the bank account that I established auto-pay with.
I immediately made the two missed payments. A few days later, I received multiple credit report notification from XXXX and XXXX. These reports dropped my score by 97 points.
I then contacted customer service in order to have this issue rectified immediately. Customer service stated that they had called me on my office phone, and that I had not responded. I do not have an office phone and received no communication related to this issue. Had I been notified properly this issue would have been resolved right away. I was not provided adequate notification from GM.
I was also told that GMFINANCIAL only reports to XXXX but I received a XXXX delinquency alert as well. Finally, the customer service agent said that they could not provide me with any further assistance and directed me to send in a letter in order to have this issue resolved.
This situation has created considerable financial duress for myself and my family. A brief review of my financial history will display that I always make on time payments and keeping my credit and finances in tact are a source of pride for me. The decrease is also substantial and does not fairly apply to this misunderstanding and miscommunication. A 97 point decrease is devastating. They also made it look like I was pass due {$3500.00} instead of the {$350.00}. That didn't process in auto pay!
I would really appreciate having these delinquencies removed having these delinquencies removed from my credit report as soon as possible.
Thank you for your consideration and support.
|
| 04/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
To Whom It May Concern : My name is XXXX XXXX and I am disputing the balance on my account. Please see the following bank transaction history attached, which includes 10 pages. Please see the first payment made on XX/XX/XXXX ; it was made at the dealership for {$690.00}. I took possession of the vehicle on XX/XX/XXXX. The month of XX/XX/XXXX in the amount XXXX and XX/XX/XXXX in the amount of XXXX dollars payments was made. Then on XX/XX/XXXX, another payment was made for {$750.00}. Now lets move now to XX/XX/XXXX, Two payments was made on XX/XX/XXXX for {$720.00} and another payment on XX/XX/XXXX for the month of XXXX ; XXXX ( Advance Payment ) of XXXX. So basically I am one month ahead. Now lets look at XX/XX/XXXX payment for XX/XX/XXXX, again Im ahead by one month. Then on the month of XXXX, XXXX another payment for XXXX ( Again advance payment for XX/XX/XXXX ). Then again in XX/XX/XXXX payment made for XX/XX/XXXX. ( Again advance payment for XXXX, XXXX ). On XX/XX/XXXX another payment made in amount of XXXX. ( Again advance payment for XX/XX/XXXX ). Basically you should get the picture by now. Then in the month of XX/XX/XXXX another payment XXXX was made for XX/XX/XXXX. Since I was ahead by one month XX/XX/XXXX was the only month I didnt make a payment because I was ahead by one month. On XX/XX/XXXX payment made XXXX for the month of XXXX. Now Im not ahead. Then XX/XX/XXXX payment made XXXX for the month of XXXX, XXXX. Then on XX/XX/XXXX another payment was made {$770.00}. Now on the month XX/XX/XXXX a payment of {$1400.00}, which covered the month of XXXX and XX/XX/XXXX. Furthermore on XX/XX/XXXX a payment was made in the amount of {$1400.00}, which covers the month of XX/XX/XXXX and XX/XX/XXXX. ( After this payment Im behind a month in XXXX ). Finally on XX/XX/XXXX ; I made a payment in the amount of {$2100.00} ; which should have covered the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I am still seeing a balance for this month of XX/XX/XXXX, which should not be.
|
| 07/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
XXXX XXXX, XXXX, I purchased a XXXX XXXX from XXXX XXXX located in XXXX, Texas. The initial loan was financed through AmeriCredit XXXX XXXX. The loan was acquired by GM Financial. I contacted a representative on XXXX XXXX, XXXX and requested a printout of my payment history. Upon reviewing the documents I noticed there were several months in which the finance company charged me over {$400.00} dollar in interest. My monthly car payment is {$510.00}. I called the finance company. The representative said I have a simple interest loan. I asked the representative is it legal to charge me an exorbitant interest rate on the loan balance. In my opinion, this type of loan is equivalent to the pay day and or car title loan. I vaguely remember reading the government has passed or is contemplating passing legislation to prevent companies for preying on customers in financial distress. She said the interest is compounded daily on the unpaid loan. On XXXX occasions I encountered financial difficulties and deferred the loan. Unbeknownst to me they charged me XXXX the amount of interest which resulted in additional {$2400.00} in payments. I asked the representative how much I would save if I paid the loan off. My current interest rate is 10 %. She said I would not save a penny because they have already added the interest due to the type of loan. Can a finance company legally charge over {$300.00} in interest in one month? I am confident XXXX of Americans on a daily basis are paying a high interest on a simple loan due to lack of knowledge. I would not have selected this type of loan option. I relied on the expert knowledge of the loan officer.
Example of interested paid : {$270.00} interest paid XXXX/XXXX/XXXX {$430.00} interest paid XXXX/XXXX/XXXX {$390.00} interest paid XXXX/XXXX/XXXX - I was late paying the care note {$420.00} interest paid XXXX/XXXX/XXXX - I was late paying the care noteInterest rate in XXXX to XXXX average was {$270.00} dollarsInterest rate average in XXXX was {$220.00}
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I turned in an auto lease in late XXXX. In XXXX I was contacted by phone by GM Financial stating I owed approximately {$420.00} as part of the disposition fee. I was surprised because at no time in over a year after I turned it in, did I receive any correspondence informing me that the account was still open and that I owed this fee. However I was offered an arrangement to pay half to close the account. I did, payment was sent and received. I have the letter from GM Financial and cancelled check for {$210.00}, the agreed upon amount to pay.
Having thought the account was closed. I was surprised to receive calls again at work several months later stating that I still owed money. After explaining the agreed upon settlement previously paid, I usually received acknowledgement from the caller that the settlement info was found in my file and they apologized usually saying they would add that to my notes.
I had not received any calls for a while until sometime during the week of XXXX XX/XX/XXXX, I received another call at work. After the same discussion, the caller said they would talk to their supervisor and get back to me.
I was never contacted again before I began getting several notices through my credit monitoring services I had derogatory remarks and charge offs added to my credit report from GM Financia for {$210.00}, the amount they said they would waive in XXXX. I want to stress that at no time did I receive any written correspondence or bills, with the exception of the letter stating the agreement to pay half the amount in XXXX. I have always had excellent credit but these remarks and claims of unpaid debt- which are unsubstantiated- have significantly and negatively affected my credit score.
When contacted, GM Financial said my account was in the process of being closed and to be patient. However, I feel like their way for closing my account was to charge off the other half they said they would waive, which is dropping my credit rating from 'excellent ' to 'good '.
|
| 08/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
We received notice of a return of lease charge of {$420.00} in late XXXX after returning our XXXX XXXX. We held the lease from XX/XX/XXXX for 24 months and never missed a payment. The first bill was received sometime in late XXXX and I contacted GM Financial to inquire about why there was tax on the return charge, as the dealership we leased from, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, claimed there should not have been tax. I contacted them 3 times, by phone and over online message, over the following months to find out about the tax with no call back or explanation from GM Financial, and my most recent call on XX/XX/XXXX, a rep stated in their account that there was a discussion and the system shows no follow up was given to us regarding the question. On XX/XX/XXXX, wife Wife, a cosigner, received a derogatory mark notice on my XXXX which stated there was a charge off for the balance of {$420.00}. Our only record of notice was that first letter received in late XXXX, and no further contact from GM financial regarding the question on the {$30.00} tax added to the fee. I reached out on XX/XX/XXXX to GM financial and requested information on why there was a derogatory mark and why no one had contacted me prior. The first representative claimed she did not see any information on my account. I was then transferred to an " escalations '' team member, who claimed they did see a balance due and a previous request, but no follow up from their department. I was then transferred to a supervisor who informed that they did not see a derogatory mark, and believed we should have been contacted regarding the issue. When asked for records of my contact with them and any contact they have made with me, I was told I was require an attorney to subpoena to obtain that info. My intent was always to pay the fee, but to receive an answer on why there was sales tax on this fee. No one called back, no further communication was sent, and no additional letters demanding payment were sent.
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had a lease of 36 months with GM Financial that ended on XX/XX/XXXX. I was never late an a payment. In fact, I was on auto pay for the entire lease. I returned vehicle timely and I was told to wait for a notification in the mail for additional charges if any. I received a letter in XX/XX/XXXX stating the vehicle was inspected and a bill would be coming through. On XX/XX/XXXX I receive a notification from XXXX credit that my credit had been impacted for a missed payment. Immediately I contact GM Financial but I was unsuccessful. I tried multiple times but the lines were busy due to the Covid-19. I remembered I had online access and logged back in. My account showed an amount due {$690.00} but I didnt know what it was for since I never received a bill. I noticed the website had my old landline number so I changed it to mobile number. The next day I get a call from GM trying to the debt. I explained why haven't I received a bill. The rep said, she would mail. I asked her why did they report me as late when I never knew I owed. I asked to speak to a supervisor and she said they tried contacting at a number on file. I said, if you were not successful why didnt you send me correspondence via regular mail. She stood her ground and yelled at me I was late and the negative reporting would remain. I told her money is not an issue, I can pay this but I need to know what I'm paying. Three weeks later still have not received bill. However, XX/XX/XXXX I tried paying but I was on hold for over 1 1/2 hours I hung up and called again. On XX/XX/XXXX I was able to make the payment over the phone but I paid blindly only to settle the debt and stop negative reporting. I have disputed the negative reporting of 30 days missed payment with the XXXX and it comes back the same. I really need assistance in clearing up this matter. It is unfair large companies take advantage of individuals. I feel helpless trying to keep my credit corrected for negligence on GM financial for not sending me a bill.
|
| 09/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
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I filed a CFPB complaint on XX/XX/XXXX case number XXXX requesting documentary evidence of this alleged debt between GM Financial / General Motors Financial Company/ General Motors , XXXX AmeriCredit XXXX XXXX, XXXX XXXX XXXX etc. and XXXX XXXX. After further review of the documents sent to me by GM Financial, I discovered fraudulent activity. Please note of my findings : 1. A {$500.00} down payment was accepted by XXXXXXXX XXXX XXXX as no cash payment shall be included in a credit transaction per Truth in Lending. The {$500.00} dollars was added back to the Total Sale Price.
2. The contract stated in clause f we will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. The consumer never received a written notice of sale from GM Financial. However, Consumer has documentation that no letter was delivered to XXXX XXXX XXXX. According to O.C.G.A. 10-1-36 when any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the sellers or holders intention to pursue a deficiency claim against the buyer.
3. On the application from XXXXXXXX XXXX XXXXXXXX, consumer birthdate is wrong the application has XX/XX/XXXX however consumer birthdate is XX/XX/XXXX. The signature is not consumer signature. If you note on all pages the consumer does not sign name as such.
4. On the assignment to retail installment contract, there is not date of contract between seller ( XXXX XXXX XXXX XXXX XXXX ) and buyer ( XXXX XXXX, XXXX XXXX ). Nor is there a signature between Dealer-Seller and AmeriCredit has state on assignment. Only one signature.
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| 12/28/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Vehicle was purchased on XX/XX/XXXX and first repair was on XX/XX/XXXX mileage was under 12k. We have been to the dealership 4+ times to fix the issue XX/XX/XXXX we went into the dealership for an oil change they found a leak which the could not find the issue first said it was the transmission leaking then they said was a leak in the oil line kept car for a month finally replaced the transmission case. Car was said was fixed. We brought car back in XX/XX/XXXX for a noise which car started to vibrate GM got involved and had them run a test which now the said it needed new breaks which they replaced. Brought the car back in on XX/XX/XXXX for the same noise and dealership could not find the problem again they contacted GM again as I did and updated of my issues and they said they cant find the issue but could here the noise brought car back in again 6 days ago and still cant find the issue GM said to run the XXXX again which was completed and still no resolution now the car sensors are going crazy. Dealership has tested everything and cant find the cause of it could be transfer case again not sure. This is a new car and we have had so many issues its has been in the dealership for over 60 days looking to get out of this lease and get into a new car I'm pregnant we have XXXX kids already and not feeling safe in the car. We have been complaining to XXXX and GM FOR MONTHS to help us get out of this car. As you can see the car has issues was going to file this car as a lemon with the lemon law because I have all the docs to prove and times I have been in the dealership. Need help on getting this resolved as we are not feeling safe in the car as GM and XXXX have been fixing the same issue and car is still not fixed.. The car is again at the dealership and we have no updates and GM is saying we cant repurchase because its still under warranty which hi have an email from GM saying this.. The car has been in 4+ times on the same issue and GM is not helping to replace this vehicle
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| 01/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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Lender : GM Financial Account number : XXXX Account opened : XXXX XXXX, XXXX Lease term : 36 months Contract Miles : XXXX miles GM Financial was the leasing company that I leased a XXXX XXXX XXXX from in XX/XX/XXXX until the lease ended in XX/XX/XXXX. The vehicle was returned by me timely to the company in XX/XX/XXXX, approximately XXXX miles below the leased mileage, and with only {$80.00} in appraised wear and tear damage.
For the entirety of the lease agreement, all charges associated with the vehicle were paid on time through auto-pay connected to my checking account without incident for 3 years. I naturally presumed, but apparently incorrectly, the end of lease charges were to be deducted from the same account, as had been our course of performance for 36 months. However, this did not occur.
In XXXX, I received an alert that there was a missed payment on my credit report and on XX/XX/XXXX I promptly paid the outstanding {$510.00} end of lease charges ( using the same checking account that was already on file with GM ). When I sought from the company a good will adjustment to the credit agencies for the late lease charge, they refused.
In sum : A ) I feel like I was induced by GM for 3 years to make payments through the auto-pay mechanism and then at the end was deceived into thinking this same mechanism apply to the end of lease charges.
B ) The deadline set to pay the end of lease charges was arbitrarily set by GM as the lease agreement is silent is this regard. I dispute that the payment was even late.
C ) These end of lease fees appear to be separate an aside from the financed portion of the lease agreement. The financed portion of the lease was paid on time, it was only the end of lease fees that were purportedly untimely. I do not believe these end of lease fees are reportable to the credit agencies as they in no constitute a loan repayment. It believe the fact that GM even required a different payment mechanism to pay these fees supports this notion.
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| 01/23/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I leased a vehicle from a local Chevy dealer in XXXX, TX in XXXX XXXX. I turned in the vehicle ( XXXX Chevy Traverse ) in XXXX XXXX after having made all my monthly payments on-time via eletronic funds transfer and closing out the lease having paid it out in full with the vehicle returned with no damage. GM Finance told me upon turn in that the automatic electronic funds withdrawal for the monthly payment would end automatically and no further action was required by me. In contradiction to this, GM Financial continued to deduct the $ 500 monthly payment for the next two months for a total of {$1000.00} in overpayment. As soon as i noticed the problem ( on or about XXXX XXXX, XXXX ), i called GM Financial, requested they immediately deactivate autopay and refund the {$1000.00} to my account. The call center rep informed me it would be about 4 weeks of processing time before I would receive the check. When in XX/XX/XXXX I had still not received a check, I called GM Financial to check on status. They then told me they were still in the process of verifying the vehicle status and it would be another XXXX weeks before they determined disposition. I called again in two weeks and was told they acknowledged the overpayment and would be mailing a check to me in about two weeks. Not having received a check by XX/XX/XXXX, I called again on or about XXXX XXXX. At this point I asked to speak with a supervisor who told me the check was being processed and would be mailed on XXXX XXXX via registered mail. I called again on XXXX XXXX not having received the check. GM Financial told me their system reported the check was cashed on XXXX XXXX, a check that i have never received. This fact should be readily in evidence at GM financial by checking their records to see who and where the check was cashed. The supervisor told me they would expedite resolution and keep me informed. I 've now called back three more times on XXXX XXXX and XXXX XXXX and no supervisor has provided any information
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| 08/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX financial is reporting negatively to credit bureaus. derogatory unsatisfied charged off account. XXXX XXXX is XXXX. Vehicle was illegal repossessed. Breach of peace. Prior to Vehicle Being repossessed 3 large payments were made through money gram withing a month to bring the account current. GM took the payments and repossessed the car anyway. It was never disclosed where or when the vehicle was sold or for how much. They never kept in contact with me about anything. I was the co signer. The owner is currently in XXXX XXXX and has been for the last 4 years.. I contacted gm a few weeks ago because my credit is showing in public Records a court order to garnish wages.. for some XXXX now they're saying XXXX. Absolutely. I requested a copy of the file and I got a letter from gm stating the account may have been fraudulently established as a result of identity theft .... WHAT??? The person I spoke to wanted me to give him the amount I have to see if my records match theirs.. I'm not gon na send them nothing they can adjust.. I know how much money was sent to get the car current. They applied those payments to court fees repossession fees late fees interest. None of it went to principal. I want them to send me all the statements proof of payments they have I want the date time place and amount the car was sold. I was told that the car was to sell at auction for the balance the balance was XXXX it should of sold for more and there should have been a refund for the overage difference. After looking at the court record GM filed just last year order to garnish. I want to appeal that ruling along with the negative deragory in my credit file. They can give me a XXXX valued XXXX and I'll pay otherwise they are insane to think they can destroy me with their lies. Every attempt was made to pay them they refused if it wasn't past due amount paid in full they refused payment after they had already received 3 different amounts through money gram in the month the car was repoed.
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| 02/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I have had a horrible experience with GM Financial which I need you to know about. My XXXX, a lifetime GM customer and current lessee of a XXXX XXXX, passed away last year on XXXX morning XX/XX/XXXX. On approximately XX/XX/XXXX, I reached out to inform your company of his passing and expressed my desire to arrange to keep Dads XXXX. In my letter dated XX/XX/XXXX, as requested, I provided XXXX XXXX XXXX as well as a letter with my contact information, requesting information on taking over the lease or purchasing the vehicle outright. Earlier this evening ( XX/XX/XXXX ) I heard loud exhaust in the front of my home and was horrified to see a tow truck hooking up to my XXXX vehicle. I ran outside in my socks and pleaded with the driver to allow me to remove some of my Dads belongings. I immediately called GM Financial to understand what was going on and spoke with XXXX XXXX XXXX XXXX in the reinstatement department. XXXX began by telling me the vehicle was past due and that GM hadnt received the proper paperwork to communicate with me. I explained to her the situation and she confirmed she received the letter. It defies all logic that a simple call or email wasnt delivered to inform me of the required documentation. XXXX was unreasonable, lacked empathy and shredded the GM brand with her dismissive and condescending attitude. She chastised me for not delivering the proper paperwork or making payments I would have happily made payments if an invoice was provided. I am sickened by the way this was handled. I have a $ XXXX XXXX in my driveway I dont even want to look at. My father served our country during the XXXX XXXX in the XXXX XXXX and always preached to us kids to buy XXXX. He was proud to drive GM vehicles his whole life which makes this experience feel like a harsh betrayal. I can not understand why GM would deny us the opportunity to arrange to keep the vehicle and instead, opted to cause me the traumatic experience of watching my Dads vehicle being towed away.
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| 08/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/2018 at XXXX GM Finanacial repossessed my car saying im 3 months behind on payments, well 2 months and 6 days to be exact. My payments a month are {$310.00} they have given me until tomorrow morning to pay {$1600.00} to get it back or its going to be sold at auction. Thing is i always have paid by check from my bank account which i have ALL statements showing im only 6 days behind on XX/XX/2018 payment. Their monthly statements are NEVER right when i make a payment instead of it being taken off balance and reduced its like they add that amount to whats owed and the total EVERY month rises instead of reduceing. Even w proof they refuse to give me my car back even though it was an illegal repossession. Even if i was 3 months behind that total owed would only add up to be {$930.00} but yet they r demanding a {$1600.00} payment or i cant have my car back. Thats an extra {$660.00} for what is my question which of course they have NO answer for. So i have contacted a lawyer and i am sueing them over this. U might also want to go to their website Gm Finanaical.com check out tbeir complaint section, they have 801 complaints 554 of which are over financial or payments from that many more customers going threw same thing with same problem.
Someone there is pocketing all this money that keeps disappearing or never arrives. Oh and evrytime you call these people u are only allowed to speak with a CSR the supervisor is NEVER in or available. Plus i have been completely harrased by these people they literally call my house 4 to 5 times daily for the last 5 yrs over this car payment. That itself is against the law not to mention i draw XXXX and i am a very sick women and this is absolutely ridiculous to have to deal with this on a daily basis and be treated like something lower than a dog by these people. They are rude and completely unhelpful. Something needs to be done a business of ANY KIND should not be allowed to harrase people or treat people this way ....
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| 12/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My truck was taken sometime during the night of XX/XX/XXXX-XX/XX/XXXX, it was dragged down my driveway leaving marks, hopefully the truck is not damaged, I attempted to make payment on the loan on XX/XX/XXXX but was unable to do that because the system was not allowing me to. I contacted XXXX XXXX via email to notify him I would call him on Monday XX/XX/XXXX to make a payment he responded asking if I would call him XX/XX/XXXX I told him I was unable to as I was working XXXX-XXXX that day, I take full responsibility for the payment being behind but I have made late payments many times in the past and only once in XX/XX/XXXX did I receive a notice to cure the default which I did. I spoke to GM employee # XXXX on XX/XX/XXXX from the recovery department that stated GM sent me a notice to cure in XXXX. I am very good at checking my mail and would never have ignored such a notice, I never received XXXX. I was told you have until XX/XX/XXXX to recover the vehicle, as the gal was so nice as to put a ten day hold on the vehicle, dont they have to give you a chance to get the vehicle back anyway? I take full responsibility for the past due amount of XXXX which I can pay.
Then another XXXX for the repo and storage fee. I cant pay that, I questioned them why they would cause such a hardship on someone who is already struggling to make payments when I had an agreement with XXXX XXXX to make payment on XX/XX/XXXX I was told that GM doesnt accept email as a form of communication. Well then why was XXXX XXXX responding to me via email. I need my vehicle back for transportation to work, I work two jobs but have only been able to get a ride to one so Im losing income and that XXXX is my XXXX payment which I would not be able to pay if I have to pay the fees which should never have happened. As well today is day two since they took the vehicle and I do not have a statement from them explaining the whole process nor one with a right to cure the default before this happened.
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| 03/31/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I was divorced in XX/XX/XXXX. In the Settlement Agreement, my ex-wife and I each received certain assets and their related liabilities. One of the assets my wife received was a XXXX XXXX XXXX that was being leased from GM Financial Leasing ( GM ). She assumed the responsibility for the lease, and made the payments following the divorce. She ended up turning the car in early because she had a lot of miles on it, and there were charges related to the early termination that she apparently didnt know about. She acknowledges responsibility for those charges, which are around {$7000.00}.
Unfortunately, she never transferred the vehicle out of my name, and when she didnt pay the charges ( which I knew nothing about, and for which I was not responsible ), GM put the default on MY credit record. This is the first negative credit report I have had in my life and my 45+ years of making payments on time.
I refinanced my mortgage a few weeks ago, and during that process, learned about the negative charge on my credit report. I can provide you with the notice I received from GM through the mortgage company, and I can also provide the section from our Divorce Settlement Agreement which clearly shows that my wife is responsible for the payments related to the XXXX XXXX lease ( which she does not dispute ), and that she agreed to defend me and hold me harmless for any liability related to it.
I need to have this negative charge removed from my credit reports as soon as possible. It is affecting my livelihood, which is commercial real estate development. GM told me that they already written the debt off. If they want to pursue my wife for the balance, that is their choice. She will not fight it ; she has agreed to pay them. I have nothing to do with it, and any negative statement or comment should be completely removed from my credit reports. The rep from GM said that if my wife pays it, they will change my credit record to say " SETTLED. '' That is NOT acceptable.
|
| 09/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XXXX XXXX has reported a vehicle loan as charged off to the credit bureaus. Currently we are in the process of obtaining a mortgage and the underwriters require that we obtain a letter from XXXX XXXX regarding this loan that states the loan was charged off. We have contact XXXX XXXX several times to request this letter and they refuse to supply a letter. We were told they would not send a letter and that it would need to be obtained via the credit bureau. The credit bureau is simply reported the information provided to them by the original creditor, XXXX XXXX. The document must come from XXXX XXXX, however they have been rude, condescending and uncooperative. We were told at one time the letter would be faxed on Monday, XXXX XXXX, XXXX but this never happened. When contacted again, they would not say why it was not sent and refused to send one. Not only the purchase of our home is waiting on this letter, but the seller can not proceed with their purchase and the seller 's seller can not move forward to close on their home until this has been obtained. XXXX XXXX XXXX XXXX, XXXX XXXX stated they do not send letters several times. Then in her next statement she indicated that they had already sent a letter when the loan was written off. When asked to resend the letter she mentioned, she stated " we do n't resend letters. '' We have spoken to several representatives including XXXX, XXXX, XXXX, XXXX and XXXX to mention just a few. Our son called to try to get information and was given information about our account even though they claim they had no release. If the indeed had no release, they are breaking privacy laws by even acknowledging the existence of the account. Yet, we continue to be vilified because of a past credit issue/mistake that was outside of our control at the time. All we have asked is for a simple letter that states the account was charged off and the date it was charged off so we and several others may move forward with our home purchase.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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In the month of XXXX, I have reach out to GM financial asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that Gm financial defer payments by XXXX months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be XXXX time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the XXXX time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards GM financial reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After GM fiancial noted on my credit report about the deferment of my payments, I then paid the XXXX time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the XXXX time fee upon my due bill date.
I contacted GM fiancial after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.
|
| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I filed a complaint with General Motors about incorrect information on my credit report ie. They said I owed them {$170.00} which was supposed to be late fees the problem was that these late fees they spoke of was already paid because I was in the process of starting a new contract with them to pay off automobile because time had expired on old original loan with them in order to start new contract I had to first pay off old late fees which I did, I filed a complaint with XXXX and XXXX about this XXXX corrected it with no errors then I filed a complaint with the consumer protection company about G.M still reporting I owed them {$170.00} which I thought they had resolved now my XXXX credit reports G.M list my account as a chargedoff/ paid account .which is in fact wrong my account was never listed as charged off in fact I have evidence that it was listed as open even though that in itself was incorrect, my initial complaint was about the {$170.00} which I didnt owe because it was paid before I could enter new contract I contacted G.M and they said they could see it was paid off in XX/XX/XXXX before I entered new agreement that being so then how is it listed as a charge off? Im submitting copies that show my account even though it was incorrect was still listed as open and also where they added a comment about my reaffirmation of debt in XX/XX/XXXX even though there was none at that date, that comment was already listed in XX/XX/XXXX during a bankruptcy.. as you can see my credit account say open also it says there was no balance to payoff after XX/XX/XXXX which was my last payment. So wheres this comment about charge off / paid coming from there was no balance left they were paid in full, I just submitted an answer to in regards to how I felt G.M handled my complaint this was done prior to the new changes on my XXXX report which appeared today XX/XX/XXXX I was under the assumption ( All ) mistakes were resolved as you can see they were not
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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GM FINANCIAL HAS VIOLATED ALL CONSUMER RIGHTS PERTAINING TO THE XXXX XXXX XXXX. DOWNPAYMENT OF {$1000.00} SHOULD HAVE BEEN REFUNDED DUE TO TRANSACTION WAS APPROVED BY CREDIT. CLIENT DID NOT HAVE TO PUT A DOWN PAYMENT DOWN WHICH IS A VIOLATION 15 U.S. Code 1662 ( b ) - Mixing cash with consumer credit transactions GM FINANCIAL HAS ALSO VIOLATED THE TRUTH AND LENDING ACT 15 U.S CODE 1601 CHP. 41 AGGRAVATED IDENTITY THEFT - 18 USC 1028 A.
1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE ( GM IS NOT ALLOWED TO REPORT THIS INFORMATION WITHOUT MY WRITTEN CONSENT ) 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS ( TO REPORT LATE PAYMENTS IS AGAINST THE LAW ) 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 11. 42 U.S.Code 2310 - ILLEGAL REPOSSESSION ( GM FINANCIAL NEVER SENT A 10 DAY NOTICE OF REPOSESSION ) NOR THERE IS NOTHING IN THE CONTRACT OF A 3 TIME RULE 15 U.S. Code 1635 ( f ) - right to rescind after 3 ( three ) years ( rescind paperwork was never furnished ) 15 U.S. Code 1635 - right to rescission ( never advised ) 15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 15 U.S. Code 1605 - finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges ( EXPLAIN YOUR FAULTY CONTRACT BECAUSE THIS IS FRAUD ) SEVERAL CORRESPONDENCES HAS BEEN SENT TO GM FINANCIAL ABOUT THIS MATTER SENT CERTIFIED MAIL AND THE COMPANY REFUSES TO RESPOND. AN ORDER TO CEASE AND DESIST HAS BEEN SENT AND GM FINANCIAL HAS VIOLATED THAT OVER 22 TIMES.
|
| 12/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
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I had been storing my car at a small storage facility in XXXX, S.C.
XXXX XXXX XXXX XXXX, XXXX for approximately 2 years. Originally, I did not believe there was a written agreement ; however, after contacting my mother, who had power of attorney, she provided me with a written agreement which was signed by his father, who also had power of attorney authority. I had spoken to someone who worked at the storage facility on multiple occasions and the person that I spoke to stated that I could pay the payments monthly, every six months or yearly. I believed I owed 2-3 months ' fees, I previously paid sometimes monthly, sometimes 6 months ' at a time, it varied. Without notifying me, the storage facility decided to repossess my car. It is my understanding that the storage facility called my lender, GM Financial, for the loan that is still on his car to tell the loan company that I hadn't been paying and to come get the car. To date, the storage facility has not notified me that I was late on payments, has not notified me that they intended to repossess the car, and never gave me an opportunity to come up-to-date on my payments. It is my understanding that the car was repossessed without a court order on XX/XX/XXXX, I believe that the lender repossessed the car, without notifying me, and it was brought to an impound lot. I then received a notice, on XX/XX/XXXX, dated XX/XX/XXXX giving me an amount to pay the car off including repossession fees. At this point, I have the name of the impound lot, but I can not get in touch with them. My car is going to be auctioned off on XX/XX/XXXX. I believe that the storage facility violated Section 3958 of the SCRA and several other state and federal laws and that GM Financial also violated section 3952 of the SCRA. GM Financial refused to provide me information on where my vehicle was located or any information about the repossession until XX/XX/XXXX stating that I had not " applied '' for my SCRA rights.
|
| 01/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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Our vehicle was deemed a total loss on XX/XX/XXXX. Our insurance company ( XXXX XXXX ) issued 2 checks to GM Financial on XX/XX/XXXX in the amounts of {$17000.00} and {$4500.00}. These payments were never reflected on to our account. After calling repeatedly, there was no resolution. GM Financial did a system upgrade where they stated they would be unavailable from XX/XX/XXXX-XX/XX/XXXX, so we were unable to follow up during this time. Once they reopened, the payments have still not shown. On XX/XX/XXXX, Progressive insurance placed a stop payment on the original 2 checks, and issued 2 new checks which they overnighted on that date. Even though the checks were received overnighted ( validated through shippers website ), a payment was not credited to the account until XX/XX/XXXX. The payment for {$17000.00} was credited to the account, however, the payment for {$4500.00} has disappeared again! I have spent hours on the phone waiting to speak to a representative, and in each case they state it does not appear, and are unable to locate the payment as an unmatched payment in their system. Both of these checks were sent together in the same overnight delivery package. 1 was processed, and 1 came missing. I contacted XXXX XXXX for help, which they traced both payments to show that both checks cleared payment on XX/XX/XXXX. So, the missing payment of {$4500.00} was received and cashed by GM Financial, but no where to be located in their newly upgraded systems. ( I have attached the payment trace document from XXXX XXXX to this complaint ). In the last several days, I have attempted to call several times, but now their customer service line states that the call can not be completed at this time due to high call volumes, and then disconnects the call. We still have an outstanding balance of {$3000.00} on the account as a payoff amount that has not been paid due to the neglect of payment processing and application on behalf of GM Financial.
|
| 01/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
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Web |
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On XXXX/16 we leased a vehicle, the terms of the lease states we will have 27 payments on the vehicle, and in the payments {$1100.00} worth of taxes are included into the payments. Line 13 on the GM Financial lease agreement states OFFICIAL FEES AND TAXES : The total amount you will pay for official and license fees, registration, title, and TAXES over the term of the lease, weather included in your scheduled payments or assessed otherwise is {$1100.00}. The total fees and taxes you pay might be different than this based on charges in the tax rates and the value of the vehicle when the fee or tax is determined.
BUT the lease does NOT state the lessee would be required to pay Personal Property TAX. The ONLY mention of TAXES are the {$1100.00}, which are included into the lease payments. The Beginning of this year, I got a bill on line that stated I owe {$940.00} for Personal Property Tax. The ONLY taxes specified in Dollar amount and clear is that the {$110.00} for taxes that are INCLUDED in my payment.
According to the Consumer Financial Protection bureau 's website, Section 1013.4 in the Contents of Disclosures : Part 4 ( C ) Payment schedule and total amount of periodic payments, the section 1 PERIODIC PAYMENTS.The phrase number, amount, and due dates or periods of payments requires the disclosure of all payments that are made at regular or irregular intervals and generally derived from rent, capitalized or amortized amounts such as depreciation, and other amounts that are collected by the lessor at the same interval ( s ), including, for example, TAXES, maintenance, and insurance charges. Other periodic payments may, but need not, be disclosed under 1013.4.
In Section 1014.4 ( N ) part 3 A tax payable by the lessor that is passed on to the consumer and is reflected in the lease documentation MUDST be disclosed under 1013.4 ( N ). A tax payable by the lessor and absorbed as a cost of doing business need not be disclosed.
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| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
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Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NOTICE OF DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission or without permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C. 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Americredit XXXX for review for collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both.
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.
Send payment immediately via certified funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
|
| 05/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I CONSUMER entered into a consumer credit transaction with XXXX XXXX XXXX of 2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX XXXX sales took cash. The finance charge is supposed to include insurance, but XXXX XXXX sales made me purchase insurance separately. They Failed to disclose in the contract that this is an attempt to collect a debt XXXX USC1692e ( 11 ). They also failed to send me a written notice containing information listed under 15 U.S 1692g ( a ). I reached out to GM financial and XXXX because, GM financial is requesting payment, but my contracts has XXXX as the lender. As a consumer I sent in a debt validation letter, Affidavit of Truth, and Cease and Desist they received my package but failed to respond to the information in the packet. They are in violation of 15 USC 1692e false representation of the character, amount, or legal status of any debt. Any debt that is owed should be in the negative ; throughout my contract payments are listed in the positive. The finance charge is the sum of all charges I'm supposed to pay which is {$6300.00} cents to XXXX XXXX XXXX. Why am I being charged XXXX from GM Financial. They violated 15 USC 1692 harming my Reputation by reporting inaccurate information to my credit report and the FCRA 15 USC 1681 states that my credit is my reputation. They harmed me and my property by sending someone to remove my vehicle off of private property without my consent. GM Financial and XXXX XXXX XXXX is in violation of 15 USC 1692 j for designing a contact that is used to create false belief in a consumer. GM is in violation of 15 USC 1692b ( 5 ) using symbols on envelopes, that is effected by the mails. I reached out to Gm Financial more than once to resolve this matter but they failed to respond.
|
| 04/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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XX/XX/XXXX - Mailed, via Certified Mail with return receipt, a cashier 's check for the payoff amount to GM Financial, also enclosed with a contract that clearly stated the execution of the enclosed funds would constitute agreement to and acceptance of the terms of the stated contract. Those terms included marking the account as paid in full, removal of all derogatory remarks from all reporting agencies and cease all collection attempts. ( Original contract and copies of executed funds included in files ) XX/XX/XXXX - Certified Letter and funds were received by and signed for by a representative at GM Financial.
XX/XX/XXXX - Cashier 's Check for full payoff amount, with contract stamped below signature line, was executed and deposited for payment.
XX/XX/XXXX - GM Financial was made whole by the settlement of the cashier 's check. ( Copy of check with stamp and signature included in files ) XX/XX/XXXX - Received a letter from GM Financial acknowledging receipt of payment and the settlement of the the account in full. ( Copy of letter included in the files ) XX/XX/XXXX - GM Financial fails to perform on the agreement to remove all negative items from all reporting agencies within 30 days of executing the contract via their signature on the check and the cashing of those funds.
XX/XX/XXXX - GM Financial continues to report the account negatively and even in the month of the payoff posted the account as delinquent, this has continued to be the reporting status month after month since the payoff.
GM Financial has failed to perform on the agreement they entered into by signature on the check to remove any and all negative items from any and all reporting agencies. Furthermore, the agreement stated should they dishonor the contract or violate its terms they agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and they agree to Summary Judgement against them.
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer XXXX have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.
Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.
Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.
Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes.
ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX PLUS XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX -CAPITAL XXXX XXXX -GM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA.
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified.
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE.
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX
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| 08/28/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American, Servicemember |
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I paid off lease # XXXX for purchase in the Name of XXXX XXXX on XX/XX/XXXX. The Lease is through GM Financial. The Lease was for a XX/XX/XXXXXX/XX/XXXX serial # XXXX. This was a lease in my mother 's name. As she entered a XXXX XXXX and we rearranged her finances, I decided to pay off her lease and purchase the car for my own use. Since the payoff I have repeatedly attempted to obtain a title. To date I have faxed the odometer statement and titling instructions a total of 4 times and to 2 different # 's supplied to me by GM Financial Representatives. I call weekly and every week there is a new excuse. First they don't have a fax, then they have the faxed odometer statement, but not the titling instructions. Both documents have been included in all of the faxes sent, and I verbally communicated and faxed ( 4th fax of the same docs. ) titling instructions on XX/XX/XXXX. It is now XX/XX/XXXX and I am on hold again after insisting that I speak to a supervisor and faxing the same documents to her direct fax line. This is my 5th Fax transmission all from a business fax line that sends as many as 100 faxes/day. She has purportedly called the Titling department to and passed the documents to them. However she has informed me there will be a 3-5 day delay for " processing '' : I feel at this point, that this is a pattern of behavior with the objective of holding the title after receipt of the payoff in order to make the asset side of their balance sheet reflect a more positive number. When one works the numbers conservatively, if GM Financial is successful in holding titles for 25,000 units at an average payoff amount of $ XXXX for 30 days it is a $ XXXX addition to the asset side of the balance sheet. This is called working the " Float '' and GM Financial appears to have it down to a science.
The length of the title transfer process of GM Financial needs to be looked into by the the CFPB and punitive actions should be taken.
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| 09/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
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|
Web |
Older American, Servicemember |
|
Letter dated XX/XX/2023 from GM Financial Services that they are accelerating the loan in a vehicle I was behind on payments but cured the amount, the late charge of only {$90.00} was applied to the payment I made, and no letter was sent to me or an email that I there was a late fee assigned to the payment, instead they send a threatening letter demanding payment of {$90.00} or the note would be accelerated on XX/XX/XXXX, or in other words, they would repossess the truck, which I have alot of monies tied into. This is the same company who calls every day after the due date of the payment, sometimes twice a day including weekends. XXXX XXXX Veteran self employed as consulting engineer who has close to XXXX XXXX owed to me from two deadbeat clients, not GM Financials problem, but I told them payment was coming and it was made, this letter is a show of threat and of a big company bringing their might upon a consumer without proper notice or consideration one would expect, {$100.00} gets my truck repossessed, thats XXXX folks, are they within their rights, sure they are, does it illustrate how cold and uncaring they are or that they could have sent an email reminder rather than this letter which is beyond harmful and its on my credit bureau I'm sure,, {$90.00} XXXX dollars,,, unreal, I get the letter 4 days before the drop dead date, that's bad business practices, I plan on getting my bank to take the note over, I cant deal with this kind of XXXX as a XXXX Vet who is fighting VA for {$900000.00} of back XXXX pay, you see I know what it's like not to get paid, and these jokers pull this XXXX over {$90.00}?? They could have brought this to my attention by email, phone call or other means than this intimidating letter,,, I get the letter on the XXXX a XXXX, letter is dated the XXXX, repossession is for the XXXX,,,, its like they are setting me up to ail almost,,, ,Shame on them, Shame!! I am seriously considering suing them
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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|
RE-ATTEMPTING WITH NEW INFORMATION I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by XXXX through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious XXXX did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process XXXX has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : XXXX has now turned it back on XXXX and stated that XXXX has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
|
| 12/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX requesting to have the accountant prepare and file FEDERAL TAX FORM 1099 OID to cover the eligible issues and forensic accounting, corresponding to FinCEN Form 101, " Suspicious activity report '' for the alleged vehicle loan. As of today I still have not received any documents or direct mail response to my request.
On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX informing the XXXX that the claim of {$23000.00} is DISPUTED since no response was received.
XXXX XXXX XXXX of GM Financial was also informed that I'm more than willing to settle any financial obligation I might rightfully owe, as soon as I have received 5 specific pieces of documentary evidence to validate the alleged debt owed. ( Please see attachments ) As of today I still have not received any documents or direct mail response to my request.
On XXXX XXXX, I received a letter dated XXXX 2021 from GM Financial Title Notice Of DEFAULT , RIGHT TO CURE, AND INTENT TO ACCELERATE, which I found to be very threatening, abusive, obscene and profane language and intimidating consequences to coerce payment of the alleged debt which has not been validated in accordance with FDCPA & FCRA. ( Please see attachments ) Such correspondence is direct violation to 15 USC 1692d ( 1 ), ( 2 ), and ( 4 ). Then there's also violations to 15 USC 1692e ( 2 ) ( A ), ( 4 ), ( 5 ), ( 6 ) ( A ) ( B ) and ( 11 ) for failing to disclose that the communication is from a debt collector. Each stated above violation carries a civil liability of {$1000.00}.
As of today, XXXX XXXX XXXX of GM Financial has not provided me with any requested validated documentary evidence of proof of the alleged debt. Such action or lack thereof is a direct violation of 15 USC 1692g ( a ) ( 1-5 ) ( Please see attachments )
|
| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : 11 - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel.
Secondly, I have asked more than 3 times for a duplicate account from XXXX XXXX XXXX XXXX XXXX Colorado to XXXX removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and XXXX XXXX XXXX and neither of them have emailed any verification documents or proof either.
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXXDept . of Ed, and the duplicate account for XXXX XXXX XXXX, we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.
|
| 10/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I, Am writing this letter for a family member who doesn't speak English.
On XX/XX/2018 estimated cost {$55.00} I Six months ago helped a friend purchase a car from XXXX dealer On XXXX XXXX. I am limited of understanding and Speaking English, but with my limited English I was assured my name would be taken off the car and placed in my friends name. On XX/XX/XXXX we went to the dealers and I took a translator, since they could not provide me with one the first time. I was informed my name could only be taken off if truck was traded in and a new car was purchased. My friend and his cosigner agreed to this solution. I left truck at dealer with keys with the intention that issue was taken care of. The next day my friend showed up at work with the car he was purchasing from dealer, so I went to dealer that after noon at XXXX XXXX. to sign paper work and received copies that it was out of my name and had no worries everything was taken care of. It is now XX/XX/2018 and I received a phone call from a representative by the name of XXXX ( XXXX XXXX ) who speaks some XXXX stating I need to pick the truck up, since the deal did not happen with truck trade in. I am confused I witnessed a signature that allowed my friend to drive away in a new car from dealer and witnessed the car in the parking lot of our Job. Are sales representatives there to give false information to buyers so they make a sale or are there laws, which protect the buyers of being told the truth at the time of purchase?? The truck is still on your premises and I contacted the financial company and a lawyer to see what my options are. I will go on Friday to speak with the manager who assured me all was good, so he can explain and give me reasons on why I was lied to and tell me to take the truck and nothing your company can do for me but tell me lies. I am ready to hear this on Friday I have no high expectations nor expected any help from your dealership.
|
| 05/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XX/XX/XXXX my car was financed thru GM Financial and my last payment should have been in XX/XX/XXXX. However, I disputed the amount GM Financial tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by GM Financial at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount GM reported as owed was in error, I never again heard anything from either the Collection Agency or GM Financial. EVER. Not one single word.
In XX/XX/XXXX, I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by GM Financial 's agent of choice ). This was done and in XX/XX/XXXX, I contacted GM Financial to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from GM Financial in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after GM Financial received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX does not allow this practice and has corrected the account based on my previously filed grievances.
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I reached out to GM Financial on or around XXXX XXXX XXXX regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ).
The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that GM Financial could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter.
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Please see the attached files where you will find all underlined or highlighted discrepancies.
|
| 09/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/2015, I went to XXXX in order to get a loan to re-finance my car loan with GM Financial. I was assisted by member representative, XXXX XXXX, who contacted GM Financial and obtained a loan pay off amount of {$13000.00} for my Loan # XXXX. GM Financial said that the payoff was valid up to XX/XX/2015. On XX/XX/2015, XXXX send a Treasurer 's Check in that amount to GM Financial and also requested that the title of the vehicle be mailed to them immediately ( see attached ).
On XX/XX/2015, I received a statement from GM Financial showing a {$0.00} amount due ( see attached ).
On or about XX/XX/2015, I received a payment reminder email from GM Financial. I reply back indicating that my account was paid off XX/XX/XXXX and I also asked whether I 'd received this email in error, but I received no response ( see attached ).
XX/XX/2015, I received a phone call from XXXX asking whether GM Financial had mailed the car title directly to me. I contacted GM Financial and they told me they had not because they were waiting for the full payment on the car. I contacted XXXX again who confirmed that they had paid off the car ( see attached ).
I visited a XXXX branch on XX/XX/XXXX and was assisted with the assistant branch manager, XXXX XXXX ( see attached ), who contacted GM Financial herself. It was only at this time that we learned that the original payoff XX/XX/2015 was in correct and that there was still a balance of {$330.00} due on the account.
When this became known to me, I immediately made the payment to GM Financial ; and the company sent me a satisfied pay off letter on XX/XX/2015 ( see attached ).
I was surprised to learn though that although I had paid off the account in full on XX/XX/2015, GM reported this as being 30 days late ( see attached ).
As a result of this delinquent reporting, my credit score has dropped significantly and I have been unable to obtain credit from any financial institutions.
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am furious with the way that XXXX is running its organization and ruining my credit. On XX/XX/XXXX, XXXX dropped my XXXX XXXX from XXXX to XXXX due to a paid in full settlement to GM Financial and not only that, they documented that the payment was late.
How can a payment be late if the settlement was paid in full and the balance will reflect {$0.00} after 30 days?
On top of that XXXX marked the account as a current repossession when the vehicle was repossessed in XXXX.
My credit report shows how XXXX increased my score when I was paying this account down, and now that I have fully satisfied the settlement they chose to drop my credit score XXXX points and report the account late after I paid off the settlement amount, which is a disgrace. Every time I turn around XXXX continues to keep taking a way points without accurate reasoning. Every time I call, they never have an explanation on why they keep dropping my score. I see why they keep falling victim to lawsuits, because they keep ruining peoples credit just because they can.
They have violated the Fair Credit Reporting Act too many times and now I am going to take action against XXXX this time because I have had enough. I have the right to fair and accurate reporting of my credit information.
People have checked my credit score that I have not given permission to do so and when I call them to see if they have proof of me giving permission for my score to be checked all they say is, you have to call the people who are requesting the report.
How am I supposed to do that when I don't even know who is checking it. I see it on my report and I report it to XXXX so they can stop lowering my score because of it, but they won't do nothing about it.
I want XXXX to stop ruining my credit and get proof of accurate information before ruining people 's credit. I want my credit report fixed and the points added back that was taken away.
XXXX XXXX
|
| 10/13/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
The company sent a final statement with an unspecified " excess wear fee '' of {$320.00}. The company also imposed a " past due payment '' of {$500.00}, and an " official fee/taxes imposed by government agency '' for {$260.00}. None of these fees were disclosed to me when I returned the car. The representative at the dealership looked over the car and said everything looked " great. '' I was told that I would need to pay an excess mileage fee and and " disposition fee, '' but that everything else was " included in the lease. '' I returned the vehicle on XX/XX/2020, about two weeks before the lease was due. I received the letter in question on XX/XX/2020. The date of the letter was XX/XX/2020, but it says that the payment is due on XX/XX/XXXX.
I have no problem paying the excess mileage fee and the disposition fee, as these were the fees that I agreed to when we initially signed the lease. When I returned the vehicle, the salesperson told me that I will only be paying the disposition fee and the excess mileage.
I called GM Financial on XXXX XXXX to try and get some answers about why these charges were imposed and what they were for and the representative refused to tell me what the " official fee/taxes imposed by government agency '' for {$260.00} was for. They did not know which taxes fees or governmental agency was collecting these fees. The representative told me that the " past due payment '' of {$500.00} was supposed to be for a payment that the company forgot to deduct from my account. I had the loan set up through automatic deductions and the payments always came out on time, with no late payments. No explanation from the company. I was told that the excess wear fee may be from the tires but they were not sure. I will not pay for something that the creditor refuses to explain. I spoke with customer service and they transferred me to another representative and then disconnected the call.
|
| 09/19/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been extremely frustrated at the handling of my account with GM Financial. They are penalizing me for an error they caused.
Early in 2018 they notified me in writing of a payment posting error that caused a payment to be applied to my account multiple times. This made the subsequent billing statements be incorrect, and have an incorrect amount due on the invoice.
I received a billing statement, and the balance it stated was due was paid on time.
In XXXX, I received a letter dated XX/XX/2018 that stated the error from months before led to incorrect billing statements, and it encouraged me to contact them to make sure everything is current and correct. I immediately called GM Financial and spoke with a gal that updated me on my account. We went over the total amount due to make the account current, because apparently it was behind due to their incorrect billing statements. It was almost 3 payments past due, so I was given the date of XX/XX/2018 to bring the account current and was assured that no late fees would be applied, and was assured that no derogatory or late payments would be reported to my credit reports. As of XX/XX/2018, I paid the remaining amount ( 8 days early ) and thought this ordeal was over.
Well it was not. They are incorrectly reporting me late. They are reporting me 60 days late as of XX/XX/2018 and 30 days late as of XX/XX/2018. Please see attached.
I have tried to call on numerous occasions and spoke with several different GM Financial reps and they all either do not seem to understand this is their fault, or are unable to explain correctly how this is even remotely fair. I am beyond upset and disappointed that I have to spend this massive amount of man hours trying to clear up my good name and excellent payment history. I am being damaged tremendously and have received several adverse action notices from new creditors due to this GM financial error.
|
| 08/02/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
In XXXX 2017, I canceled a service with XXXX XXXX which resulted in a refund of {$310.00}. Instead of returning the refund to me, XXXX XXXX returned the refund to GM Financial Services. I contacted GM Financial about how to handled this transaction. Because I have Auto Pay, GM Financial told me that they would ( XXXX ) cancel the Auto Pay for XXXX. ( 2 ) apply the {$310.00} as a refund, and ( 3 ) that I would only need to pay {$130.00}. I did exactly what GM Financial instructed me to do. However, the Auto Pay for {$450.00} for XXXX was still processed. This was devastating because I am retired and was in the process of paying my bills when I received a text from my financial institution that I had a low balance. When I looked at my account, I discovered that I had been double-charged by GM Financial. I knew that I was going to be hit with insufficient funds if I did n't do something quickly so rather than calling GM Financial, I called my financial institution to have the unapproved charge removed. They instantly did this but it cost me {$30.00}. I wrote a letter to GM Financial asking that they reimburse me for this fee because it was their error that I was charged an additional {$450.00}. I wrote a letter to GM Financial requesting a refund, but they never responded to my letter. Consequently, I called GM Financial Customer Service. The representative stated that they could not reimburse me because I did n't come to them to get a reimbursement. I am reaching out to you for help. If I had gone to GM Financial, their process would have been at least 3 days before the refund would have been applied to my account. By that time, I would have been hit with several " insufficient fees '' which is why I went directly to my financial institution. I would appreciate your help in this regards. I have had no many problems with this company, I feel like I am doing business with a second-rate lender.
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
General Motors Leasing Company reported derogatory information on my credit report to the following bureaus : XXXX, XXXX, and XXXX. The information reported was late-payment for the month of XXXX. Ms. XXXX, the consumer, experienced a hardship due to an erroneous mistake from the IRS in the month of XXXX, whereas, the consumer 's account was locked by the XXXX XXXX XXXX XXXX XXXX : in this case, payment was not able to be processed. For the month of XXXX, the consumer requested a deferment due to the Pandemic and hardship faced. In the month of XXXX, the consumer did her best to make a payment, at which, GM allocated that payment for the month of XXXX. The consumer returned to work during at 40 % on Phase II on XX/XX/2020. GM reported that payment 30-days late ; after knowing, the current situation-at-hand dealing with the Pandemic and tough financial decision. The consumer has leased two cars from GM and has never been late! This is the first-time! The consumer was able to re-finance the car with her credit union at a lower-rate ; and, the balance owed on the account was paid-in-full on XXXX, XXXX. GM never considered the consumer 's financial-hardship for the month of XXXX, and, refused to take into consideration, the consumer 's commitment in leasing two-cars for the past six-years ; and has never been late! The consumer 's FICO score was decreased by 100-points! In addition, the consumer takes her credit-score very seriously ; and has been on-point with paying on time for the past three-years. Having this derogatory information removed with fairness and non-judgemental, will allowed the consumer to feel secure knowing, that GM has the consumer 's best interest at heart and, that her secret-clearance will not be severed by GM 's determination to not attempting to remove negative information on my credit-report during a hardship and devastating time due to the COVid-19 Pandemic.
|
| 08/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX andXX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXXI dont recall being late.
Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this.
According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above.
30 days is the allowable time according to the law.
I await your response.
|
| 03/15/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Our lease on our GMC XXXX completed in XX/XX/XXXX. We received our final bill that included the excess miles which we agreed were correct in XX/XX/XXXX. We immediately sent a check for the full amount and it was cashed, see attached. I also sent back the bill along with the check ( but did not keep a copy for myself since this was the 1st time we have ever gone over miles I never in my life would have thought such a issue could arise ) Every single month there after they called us and sent bills. Each bill was returned with a copy of the cashed check as proof it was paid.
Every phone call they made to us ( and it was a lot ) we spoke to someone who could not speak English well enough to understand that we sent the check already and it had been cashed. No one could understand this. After several months of this going on ( literally 15-20 calls a month! ) I demanded I speak with a manger. They put on the line a man who spoke English very well and he apologized for the error. He looked into our account and said that it was in fact paid and he isn't sure how this went so long without anyone fixing it. From that point forward we have never got another letter or bill so I assumed it was fixed.
Fast forward to XX/XX/XXXX, I applied for a credit card and was declined due to GMC putting a very late over 120 days payment on my credit. I believe it to be on my husbands credit as well. I have tried to reach someone at GMC financial to get this removed and have been unable to get anyone who can help me.
They are falsely reporting we did not pay. We paid the invoice as soon as it arrived and now I'm not able to get a credit card for my small business. This is very upsetting and cost me hours and hours of time to get it straight. A bank person recently suggested I reach out here. I am so hopeful you can help get this fixed and remove the damage that has been done to our credit incorrectly.
|
| 10/25/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
GM Financial is harassing me. I have had 3 leased vehicles with GM Financial in the last 10 years. I turned in my last leased vehicle, a XXXX XXXX XXXX, in XX/XX/XXXX. It was under the mileage, no excess wear and tear, and the lease payments were made in full. That was ten ( 10 ) months ago. I did not go into a new lease and instead purchased a used vehicle. One week ago I started getting several calls a day from GM financial on my work cell phone claiming I owed {$460.00}. I have not received a bill from GM Financial. Because I turned the vehicle in 10 months ago, it was a shock to me I was getting calls from them claiming I owe them money. I didn't even know my account number to verify with them or to ask any questions about what in the world I owed {$460.00} for because I haven't had the vehicle in almost a year and I knew it was paid off in full. On XX/XX/XXXX, I finally located an old account statement which gave me my account number and I was able to call them back and get information. The woman then told me it was for a lease disposition fee that was in my contract. Why in the world they waited 10 months to charge this fee to me, is beyond me. I asked them to please re-send the bill to my house as I can't pay it because I haven't seen it. The woman assured me she would re-send ( mail ) the bill. She told me it would take 7-10 days for me to receive it and the collection calls would stop in the mean time. Today, XX/XX/XXXX at XXXX EST I received another call from them. I didn't answer because I was on another call but I did call back at XXXX and re-explained, I do not have a bill. I will not pay this bill until I see it. I asked again to have the bill re-sent to me and I asked them to stop calling me. This is harassment at this point. They are calling me several time a day. They haven't sent me a bill. This is insane. My account number with them is XXXX. Name : XXXX XXXX.
|
| 02/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX XXXX, I opened a loan with another person through GM Financial. I was placed on the loan as co-borrower, however, never placed on the title of the vehicle, I was only placed on the loan documents. I am unsure why this occurred. When the primary person did not pay the loan, I paid the payments. I went to the DMV to attempt to take over the vehicle. By law in Ohio, if the other person does not sign for this, you can not be added to the title. The primary person obviously refused to sign the documentation. I have since taken this person to court to mitigate the situation. There are XXXX judgment liens, XXXX for the total amount of the contributory share, and a year later when the primary still refused to pay, the other to foreclose on thier home for the amount I sued for to pay off the loan. The primary person filed bankruptcy XX/XX/XXXX.
I tried again to get GM Financial to give the vehicle to me via other means such as forcefully placing me on the title through the court. GM financial has refused repeatedly to help. In XXXX XXXX, GM Financial finally repossessed the truck, there was not a payment due on the vehicle until XXXX XXXX.
I have tried to add the vehicle to my insurance, but was told it is illegal since the vehicle is not titled to me. It would be considered insurance fraud to which I could be tried and persecuted.
I am held as a hostage, I continue to make these loan payments, I am unable to obtain ownership of the vehicle, as well as unable to insure it because I was never placed on the title or registration.
GM Financial currently has possession of the truck and I continue to make payments on time monthly. They refuse to work with me or my lawyers. I have exhausted a great amount of resources attempting at a resolution to this matter. Attorney 's fees included. I am still in the same predicament. Only now, GM Financial has possession of the vehicle.
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by XXXX through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious XXXX did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process XXXX has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : XXXX has now turned it back on GM and stated that GM has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
|
| 02/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
GM Financial contacted me by phone in XX/XX/2020 to collect a property tax payment on a lease that I had turned in, at one of their dealerships, but was not closed out properly by the dealership. When I leased a new car at the same dealership, I also updated my address to my new address.
I never received any notification from GM Financial about the full-year tax bill on the car that I only had for one month of the calendar year, because they continued to send my mail to the old address, despite the fact that by the end of the XX/XX/2020, I had two new vehicle leases with GM Financial, and both used my current address.
When I called in XXXX to provide GM Financial with the information, they said that if the closure documents were faxed to them by the dealership before the end of the month, the account would be put on hold until the abatement processed.
After receiving another bill from GM Financial last month for the full amount, and a recorded call from GM Financial today XXXX, I called to inquire about the status of the account, and was told for the first time that the account had been allowed to age 60 days past due and that the overdue balance had been reported to credit agencies.
They had not in any way informed me that they would continue to age the account and damage my credit. They had no, as the agent said for the first time today, informed me that I should pay the whole amount in advance and wait for the refund of the abatement.
Had I been told up front that this was their policy, I would have paid the whole amount in advance and waited for the abatement. But instead they said they put the account on hold. On hold means that the account is not aging.
This is a deceptive and harmful practice, and they need to better train their phone agents in their actual company policies and not mislead their loyal customers by telling them one thing and doing another.
|
| 06/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
Servicemember |
|
I had to file for bankruptcy at the start of the year. While I was in the process of filing I made very clear to my Loan Originator ( GM Financial ) that my intent was to REAFFIRM the loan after the bankruptcy was discharged. At that time I was informed that I would not be able to do anything regarding reaffirmation until AFTER the loan was discharged. To be clear, this was information given to me DIRECTLY by the GM Financial Collections and Bankruptcy departments.
After the bankruptcy was discharged, I attempted to resolve the loan with them and have it reinstated. At that point they informed me there was nothing they can do, despite being provided with the name and information of the individuals who informed me otherwise.
Since the bankruptcy was discharged, I have had nothing but problems in dealing with GM Financial. Every single time I try to call in I get transferred multiple times, and most of the time I get transferred I get disconnected and have to call back. I can not access any information about what I owe on the vehicle, I can't see payment dates, payment amounts, I don't even know what I owe on the vehicle anymore. This is entirely unacceptable.
I want my loan reaffirmed. If the loan can not be reaffirmed because it was discharged, I need a NEW loan based on the current payoff balance, with the same terms as before. I am NOT trying to get one over or cheat the system, I want to be able to interact with GM Financial and with my Auto Loan in the same manner as every other GM Financial customer. It is absolutely unacceptable that I have received multiple different explanations. It is absolutely unacceptable that every time I call in I have to be transferred multiple times. It is absolutely unacceptable that I have to call multiple times because I keep getting disconnected.
I just want this fixed so I can monitor my loan account like a normal XXXX customer
|
| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I opened a new car loan with GM Financial on XX/XX/2022.
I am very frustrated with the lack of detail on their website and monthly statements.
My agreed monthly payment is {$380.00} and I decided to pay {$500.00} a month to pay this loan off quicker.
My XXXX Statement did not show my first payment anywhere on the statement, but it did apply. I have no record of this payment with GM and can't see how the payment was applied. The only record I have is that my balance did go down and my banks billing history shows I made a payment.
My XXXX Statement shows my {$500.00} payment and that the payment was applied as following : {$410.00} principal + {$84.00} interest These numbers make sense to me, but this is NOT how the money is applied. They carry forward the overpayment and apply it to the next months ' payment which is only evident by the total amount due for my next months payment being far less than the expected {$380.00}. My bill shows I owe {$140.00} for the month of XXXX.
After calling about my payments, I was informed that in order to make any additional/extra payment towards principal, the company requires a phone call within 24 hours of the payment being applied to my account to specify how the payment should be applied.
The website dashboard does not show any history of payments, the statements I'm receiving are not accurate, and there is no way I can verify that my payments are being applied as I request.
I can't believe that this is how a company as big as GM Financial would operate, but a quick internet search proves that I am not the only one experiencing this.
The only payment I can see on the website is the last payment applied and I can request copies of my old statements, which do not show all my payments and are not accurate.
I do believe my current balance is correct, but I have no way of double checking that the calculations are correct.
|
| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
GM Financial On XX/XX/2020 AND XX/XX/2020 a finance inquiry was posted to my credit report initiated by GM Financial. This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( GM Financial ) can only furnish a consumer report in accordance with written instructions of consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as a consumer have been violated and my privacy has been breached GMC responded ( ( GM Financial has received your complaint sent to the Consumer Financial Protection Bureau ( CFPB ). I have reviewed your concerns and would like to offer the following response.
Our records indicate on XX/XX/2020, an application was submitted by XXXX XXXX XXXX on your behalf to GM Financial for a XXXX XXXX XXXX. Therefore, the credit inquiry you have disputed was permissible and will not be removed from your credit file. For additional information regarding the above credit inquiry, please contact the dealerships listed above. ) ) ) The complaint never argued whether or not the inquiries were done but stated that my rights as a consumer was violated because I as the consumer never consented to you providing my information to a third party. This report was published without my consent. Again, I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. If you are able to furnish proof of this consent to furnish my personal information- I would gladly review it. You have validated my rights and I demand removal from all platforms.
|
| 08/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
I received a phone call from XXXX after XXXX XXXX on XX/XX/XXXX, not on my personal phone but my work phone. A lady asked if I was said name, XXXX XXXX, speaking, I said yes. She directed me to call this number on a case pertaining to myself. I asked from whom. She would not tell me. I asked again who am I dealing with. She never said her name and just stated that it was from XXXX XXXX. She then wanted to find out if I was going to be home. I said no, that I am leaving for work. She became upset and stated that we are about to serve you pertaining to this case so someone has to be there. I said well, I will be here this afternoon. Still in disbelief and no clue what this is about. She raised her voice and said that there is a lien on your house once served. She gave this number to call, XXXX. A male answered with no representation of who or where he was calling from. Questioned if I was XXXX XXXX, I said yes, and he said you are about to be served. I asked the male well who is. He said GM Financial. I told him that I have never dealt with GM financial. He stated that if this is not settled that it will be placed on my credit report. I said, I'm looking at my report through XXXX XXXX and i don't have any or have had that company much less associated with GM financial. He also stated that back in XXXX, they had sent paperwork. I said well if you sent it, we didn't get them. And what does that mean to you. I kept repeating myself. I have never dealt with any GM Financial. Which is funny cause we only have one car and it's through a different company. These individuals have violated all aspects of trying to use scare tactics and threatening to serve or sue. I don't appreciate someone calling my work phone and say what you will. By the way, the male individual hung up on me. That goes to show you how unprofessional and ignorant they are especially if they work for XXXX XXXX.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
|
| 07/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Hello, we have an issue with GM Financial refusing to acknowledge an excess mileage waiver in their GM Lease Agreement - dated XX/XX/XXXX. We have been trying to resolve this matter since we returned the leased vehicle in XXXX. At that time we purchased a new GM vehicle. The GM dealership submitted the lease agreement as well as the excess mileage waiver at the time we returned the leased vehicle to the GM dealership. Then on three separate subsequent occassions, we explained to the GM financial representative that we had a contractually binding excess waiver agreement and sent a copy of the excess mileage agreement to them. The calls and bills would stop for a little while and then the calls would begin again. Please see attached e-mail explanation that was sent to GM Financial explaining everything again. Since we are disputing the charge and providing proof of the legally binding waiver, the bills have stopped but the GM Financial harrassing phone calls on a daily basis have not stopped. Again, the leased vehicle was returned along with the contract/waiver in XXXX. GM Financial representatives call our home telephone number daily. GM Financial represenatives call my cell phone daily and they are calling my place of employment on a regular basis. I can provide a record of phone calls that come in almost daily. GM Financial has yet to acknowledge the excess waiver contract. I guess they think that if they harrass us with daily phone calls since XXXX, that we will just pay the {$400.00} to have them go away. That is not going to happen because we do not owe money on excess mileage. It's hard to believe but the almost daily harrassment is over an illegitimate {$400.00} bill. GM Financial added lates fees and interest to the fictitious charge to bring it to XXXX. Ridiculous- isn't it? There is a legally binding excess waiver agreement. There is no {$400.00} balance due.
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have recently had an adverse reporting with my account with GM financial reporting. They have reported incorrectly with XXXX and i have already disputed once and they have not corrected it. Currently my account reports as not only " open '' but listed as a " charge off '' which it can only be one or the other. it is in fact a " charge off '' but NOT open. I have disputed and they did not update to reflect it correctly. I have yet again filed another dispute to see if we can get this resolved. Also, i had over a year ago tried to remit a payment and was told i could not do so at the time due to the status it was in. My car was confiscated by legal authorities and was in a specific status in which they would not accept my payment at that time. At no point after that conversation back in XXXX did they ever send me a letter or ask me again to remit payment. I have not received a phone call regarding asking me for payment either. Last time i spoke with them i was advised i was on the " do not call '' status because when i called them a month ago to correct the status they had placed me on being that the account was not listed correctly on my credit report they then put me on as my notes. I should have been contacted regarding the status on my account and to ask for payment and not blindsided with the adverse reporting in which is incorrectly reported to transunion. I will be remitting my payment in full so i can correct this and i do not believe it should be reporting as an open account when in fact if it is a charge off then it should be reported as " closed '' and " charged off '' not both. I ask that they provide the documentation that evidences they sent me documentation on the remaining balance as i have not received that and should have been provided with that as well. The account number with them starts with XXXX and my balance reporting owed is {$6000.00}
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| 10/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and GM Financial agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, GM Financial, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
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| 07/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
Servicemember |
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Under Complaint Number CFPB complaint number XXXX I, XXXX XXXX XXXX will like to add a new complaint against GM Financial, their address is XXXX. XXXX XXXX, XXXX XXXX XXXX. GM Financial brought my car loan from AmeriCredit several years ago under Account Number XXXX. The product of this loan number has been reported as a deficiency to National Highway Traffic Administration reference number XXXX ; also reported to the Federal Trade Commission under XXXX, and also it combines to substantial ground with Federal Trade Commission Report # XXXX that clarifies incident of identity fraud. This loan was also reported with Police Report Number XXXX to Experian Credit Bureau Report Number XXXX. Report is being followed up with the U.S. Supreme Court XXXX in which XXXX XXXX XXXX is involved with this loan which is reported as a deficiency. The product was sold to me with hidden damages which I was not aware of at time of Purchase in XXXX XXXX. I have tried to resolved this issue with G.M. Financial in it is off of my credit report but the issue is that G.M. Financial is demanding money from me for late fees due to the fact that investigation is going on against the XXXX XXXX of this product. G.M. Financial will not release a Title Lien or Title of the product. The product is clarified as being paid on all three credit Reports so G.M. Financial should release Title to in correspondence. The information of product is a XXXX Ford Taurus the VIN Number is listed on the National Highway Traffic Safety Administration Report. Note : There was a VIN Error Certification filed as part as investigation. I, XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. I can be reached at XXXX for further questions. The investigation is still pending for review. I XXXX XXXX XXXX desire the will of the greatest, the best, and everlasting within my civil rights as a consumer.
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| 12/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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GM Financial has repeatedly reported incorrect information from account to my credit report for OVER A YEAR!!!! This is absolutely UNEXCEPTIONABLE!! All this time I have been working HARD to position myself to become a home owner and could not understand what was holding me back!!! It was GM Financial!!! I had to dispute the account balance that they report due to it being INVALID!! GM Financial reported that I owed over {$5000.00} when I only owe {$2000.00}!! They updated their error. As they should have!! Then ... GM FINANCIAL updates their system XX/XX/XXXX and caused my online payments to be late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX!!! If I was late why are they just reporting this!??? They just reported those XX/XX/XXXX!!! If I was late why wait so long??! Because they are wrong and I was never late!!! I found out about those late payments from my lender who informed me just yesterday that my score went down because GM FINANCIAL reported 3 late payments in the past 2 weeks. I called and they said it was my fault!!!! Now tonight I get a credit alert saying my equifax has went up 44 points!!! How did that happen!?? Because the detail shows that GM FINANCIAL HAS INCORRECTLY REPORTED that I HAVE LATE PAYMENTS THAT THEY UNCOVERED WAS INCORRECT!! XX/XX/XXXX-30 days late, XX/XX/XXXX-30 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days, XX/XX/XXXX-60 days late and XX/XX/XXXX-90 days late!!!!! They just changed it!!! This is an outrage and I demand that this be addressed RIGHT AWAY!!! This has hindered me severely from becoming a homeowner. On top of that I had to get an online alert and I was never even notified!!! I have missed multiple opportunities to become a homeowner due to their delinquency! This has caused a major setback along with XXXX XXXX and XXXX!!! If this is not taken care of I will seek further assistance!
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| 11/02/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Confusing or misleading advertising
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Web |
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In late XXXX or early XXXX XXXX My husband went to XXXX XXXX to get an oil change on his XXXX XXXX. After a few hours, he called to tell me the salesman we have always used there, XXXX XXXX, introduced him to a fully loaded XXXX XXXX XXXX. At this time my husband had recently completed XXXX. When I got to the dealership I was reluctant to agree to this jointly. I privately talked to the salesman and told him I was worried about signing jointly in case XXXX 's health did not continue to improve. Noteworthy - we were there several hours due to my trepidation and in that time my daughter called to ask if her fiance was eligible to use my father 's XXXX XXXX discount. I was told by XXXX XXXX that he was not. I was also told that if my husband wanted this car I would have to be on the lease because I was the family member for the XXXX XXXX or the discount would not apply. I also have a lease on a XXXX for my own use. In short, I felt pressured to sign. My husband XXXX on XXXX XXXX, XXXX due to XXXX XXXX XXXX and I 'm being told I 'm locked into this lease for a car I do n't like or want. l recently found out I was NOT required to be on the lease per the terms of the XXXX XXXX. My daughter 's fiance also lost out on a large discount because of this misinformation. This has caused a terrible financial burden, as my husband XXXX without an estate or any XXXX insurance. I feel that the dealership had a fiduciary responsibility to give me accurate information or find someone who could. When I found out in XXXX XXXX that I did not have to sign this lease XXXX XXXX went to his supervisor who verified verbally and publicly in the showroom that I was not responsible to sign that lease in order to receive the discount. At this point I am barely making ends meet as I continue to pay for 2 leases registration and insurance and drive only 1 car. I hope you can help me.
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| 02/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX XXXX, applied for an auto loan and were approved by GM Financial. The term of the loan is seventy-two ( 72 ) months at 0.00 % APR with a first payment due date of XX/XX/XXXX.
The tradeline was first reported on XX/XX/XXXX which reflected an original loan balance of {$55000.00}, the term, a monthly payment amount, and a current and joint responsibility account status.
As of today 's date, XX/XX/XXXX, my credit report indicates that GM Financial has not provided a payment history or current account status ( please see attached ). We note here in passing that we have successfully made two ( 2 ) payments each in the amount of {$770.00} on XX/XX/XXXX ( which was scheduled on XX/XX/XXXX ) and on XX/XX/XXXX ( which was scheduled that same day ) ( please see attached ). Notwithstanding our timely payments, GM Financial has failed to report our current account and payment history status to the major credit reporting bureaus since their initial tradeline report on XX/XX/XXXX.
In an effort to resolve this issue, I called GM Financial 's customer service department onXX/XX/XXXX, waited for almost fifteen ( 15 ) minutes to speak with a representative, and was advised that they do not show any derogatory information reported on our account and that they typically report every thirty ( 30 ) days. The proposed resolution was that the representative would contact their credit report team and have someone call us back as soon as possible. When I requested the information that was last reported to the credit reporting agencies, the representative was unable to offer any information other than no derogatory information has been reported. When I requested to speak with the credit report team, I was advised that they do not accept customer calls and only accept internal emails from representatives of GM Financial.
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| 11/29/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I reached out to these companies below to see if they had permissible purpose for these hard inquires and no one responded, they either left me on hold or the phone disconnected. I'm trying to purchase a home and the inquires are vital and affecting my ability to purchase, I'm requesting they are removed immediately as they ahve been on my credit report for over 1 year now.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom It May Concern, I made my car payment on XX/XX/2021 from my mobile app but got no confirmation. The GM Financial mobile app would not allow me to take a screenshot stating " can't take screenshot due to privacy policy ''. The morning of XX/XX/2021 I tried calling GM numerous times but was unable to get through to anyone due to high call volume.
I then received an email on XX/XX/XXXX that my account was 30 days late. This email told me that my mobile app payment clearly did not go through. I immediately ran to my office and logged into my GM account from my computer as I did not trust the app and paid it ( again ) as it clearly did not go through from the mobile app on XX/XX/XXXX. ( I made my XXXX payment as well at this time. ) I then called GM as well on XX/XX/2021 after making the payment from my computer and spoke with a representative who assured me that it would not be recorded as a 30 day late payment.
Today, XX/XX/2021 I was notified by logging into my XXXX account that my credit score dropped by over 50 points and that GM did in fact record XX/XX/2021 as a 30 day late payment.
I would like this late payment taken off of my credit report for these reasons : 1 ) I made the payment on XX/XX/XXXX on the mobile app which clearly has issues and does not allow the consumer to take screenshots as proof of payment.
2 ) I made the payment again on my computer on XX/XX/XXXX and was assured that GM does not report until the XXXX day and since the computer payment registered on XX/XX/XXXX it would not count as 30 days late.
3 ) I was given misleading information as I spoke to GM again today on XX/XX/XXXX and was told that they record on the XXXX day and not the XXXX. If I am given bad information on what days will actually affect my credit it makes it impossible to maintain the credit score I have worked so hard to achieve.
|
| 08/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Summary : My credit score has decreased by a significant amount due to GM Financial incorrectly attempted to charge me for two months after the end of a new car lease, even though I had paid-off my entire two year lease term one year in advance. Also, I have purchased this car after my lease term had ended, but had still been charged for two months of car lease payments. Once I had noticed this, I had provided a written dispute to GM Financial, insisting they fix this unnecessary issue. Very shortly after, they had closed my account, but they had never fixed the reporting to the credit bureaus to reverse the two subsequent months of reported delinquency on my account for any of the credit bureaus, and therefore I am still suffering from the negative impact they have caused me from a drop in credit score rating by more than 60 points. Their acknowledgement of quickly closing the accounts upon my dispute to them shows they understand they have made an error resulting in a financially negative impact to my credit report, though, they have chosen not to take the necessary steps to correct this error.
Details : GM Financial attempted to charge me an additional two months of a lease term ( $ XXXXmonth for each of those two months ) than had ended and were not due, resulting in a significantly negative impact on my credit report/score.
GM Financial attempted to charge me for the months of XXXX and XXXX of 2018 ; I should not have been charged these two months, but was nonetheless charged late for these two months.
GM Financial then closed my account as a response to my filed dispute on XX/XX/2018, but they had failed to report that I had not been late, or even that these falsely manifested payments never existed. Due to this, my credit score has decreased significantly, hindering me from successful financial management going forward.
|
| 03/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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GM Financial reported to the credit bureau 's ( XXXX, XXXX, and XXXX ) account 30 days past due in XX/XX/2017. I am the co-signer on the account and I was not notified by GM Financial that the payment was delinquent, thus I was not given the opportunity to make the payment so the account did not become past due ( XXXX ) days. I was not aware of this delinquent payment until I was alerted by XXXX XXXX that my credit score had changed. When I investigated to the cause of the drastic decrease of my credit score I discovered it was related to GM Financial in regards to the loan I was the co-signer on. I immediately contacted GM Financial customer service by phone and payment was made to account for past due amount. I asked the customer service representative why I was not contacted ( my phone number is on the account ) to notify me that the payment was 30 days late, and I was told that the primary person on the loan had been contacted by phone and a payment arrangement had been made, and that XXXX XXXX policy is that once a payment arrangement was made with the primary contact no further phone calls are made. My credit is now effected for 7 years for a late payment even though I was never contacted giving me the opportunity to make the payment before it was reported to the credit bureau 's. I had a very good credit score until this delinquent payment was reported by GM Financial to the credit bureau 's. Between phone calls with GM Financial and contacting the credit bureau 's, I have spent several hours to dispute this and request to have this derogatory report by GM Financial be removed/forgiven. My disputes have been denied and you are my last hope of fairness to repair my credit to the very good standing I had prior to this one instance. I believe that GM Financial violated my rights to protect my credit rating by NOT contacting me.
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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GM Financial is and has been falsely reporting late payments for a period in XXXX when I had a loan with them. I have already filed a complaint once on this and in the response, the late payments that are being reported and challenged were never addressed. They only addressed late payments from XXXX and XXXX which are valid. ALL XXXX LATE PAYMENTS ARE FALSE. I have billing statements proving I made the payments in addition to seeing them in GM Financial 's customer account portal. GM Financial claims they are reporting correctly yet XXXX, XXXX, and XXXX show otherwise. XXXX XXXX XXXX in California even verified they see GM Financial reporting late payments in XXXX when they just recently pulled my credit. Prior to XXXX I had made all on time payments since mid XXXX and continued to do so until XX/XX/XXXX and XX/XX/XXXX. In XXXX and XXXX, during the onset of XXXX, they were offering deferrals for car loan payments. I took advantage of that offer which cleared any need of payments for XXXX and XXXX. I then paid every payments on time ( often early ) from then on out. Any time I have ever called, I get passed around for hours until I magically get disconnected. I don't understand why this is such a fight. All I want is my credit report to show accurately for the year XXXX. I am unable to upload the photos of the account payment history as they are too large. Attached are statements showing I made on-time payments and nothing being past due after XXXX cause of the deferments. Also attached are pictures showing the wrong info being reported for XXXX in XXXX and XXXX. I am unable to show XXXX without paying for it. There is undeniable proof that I made those payments and I should be showing current for all of XXXX. I am adding XXXX, XXXX, and XXXX to this as well. Not to directly complain about them but hopefully make them more aware.
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| 09/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX Filed for bankruptcy in Texas.
Automatic stay in place GM Financial website stated We are aware of you Bankruptcy. We are not collecting any payments but you can make a payment if you choose.
XX/XX/XXXX Bankruptcy discharged. Went to start making payments with GM Financial, website still said the same as above.
Payments were made on XX/XX/XXXX and XX/XX/XXXX as I could afford them. Both were for {$200.00}. The website still stated that they were not collecting payments.
XX/XX/XXXX Received a phone call from GM Financial stating that payment was due. I told them that the website said that payments were not being collected. He stated that this was an issue with one department not talking to the other and that the website statement was an error. Nothing was said that I was behind on payments or that there were late charges. At this point, I started making regular payments after this call.
XX/XX/XXXX I started to receive phone calls from GM stating that my account was past due. I asked how that was possible and why didnt I receive a statement for the past year. They stated it was a system issue. My payment also did not show applied and they said it was applied to last year, when they stated that I did not have to make payments.
XX/XX/XXXX In writing, I requested that they not call. They called 10 times after that until they finally stopped. Three times they acknowledged that I asked not to be called but stated that they did not have to honor that.
Basically, I did what GM Financial said to do. They were not collecting payments. At no point did they say that the payments would be applied to the earliest missed payments. By doing this, they violated the automatic stay on the account that was allowed by the bankruptcy court.
I made payments totaling {$3200.00}, GM Financial only applied {$1600.00} per their records.
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| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Americredit / GM Financial is preventing me from purchasing a home for my family. During the first quarter of this year, Covid-19 became a global and national pandemic. Fearful of major income loss, I communicated with all creditors to prevent any future financial / credit issues. Being that I was in good standing and current with my auto lender GM Financial, they offered me forbearance " arrangement '' of the loan. I made a large payment of {$1700.00} in XX/XX/2020 when my forbearance ended ( even though I was offered an extension by GM Financial ), another payment was made in XX/XX/2020 for {$3000.00} following me paying off the full balance of the vehicle in XX/XX/2020. GM Financial is damaging my good name and character by inaccurately reporting late payments, inaccurately reporting the account balance, inaccurately reporting the loan term incompletely reporting date of last activity to the three major credit reporting agencies ( XXXX, XXXX, XXXX ). Section 623 of the Fair Credit Reporting Act ( FCRA ) requires furnishers to provide accurate information to the ( CRA 's ) & correct any identified issues when aware of them. Section 4021 of the Cares act also mandates on how to properly report accounts in forbearance during the Covid-19 Pandemic. I have reached out multiple times to GM Financial and spoke with multiple supervisors and departments in order to correct this errors. I was assured that the late payments would be corrected and that I would also receive confirmation by mail, as of XX/XX/2020 there has been no resolution or correction. The balance reflected on my credit reports is affecting my debt to income as well as erroneous late payments are affecting my ability to obtain a mortgage. I have no other option but to reach out for assistance since GM Financial is in willful and negligent noncompliance with the FCRA.
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| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I had XXXX leases with GM FInancial. A XXXX XXXX XXXX and a XXXX XXXX XXXX. I returned the vehicles at the end of the lease term. I received a repair estimate for the XXXX and disputed the amount asking for additional information which the company refused to provide. The company unilaterally refused to acknowledge my dispute or provide the information requested, has reported the disputed debt to the credit agencies which has lowered my credit rating by almost XXXX points. I paid the lease return fee immediately, but am still disputing the damage estimate. The XXXX was returned to the dealer in early XX/XX/XXXX.
The XXXX XXXX was returned to the dealership at the end of lease term, on or about XX/XX/XXXX. I never received an end of lease bill or damage estimate from GM Financial, The car was returned in good condition with only XXXX miles on it. Even though I had never received a bill or end of lease statement, GM Financial reported my account delinquent. I contacted GM Financial in XXXX when I finally found out about the delinquent mark on my credit report, disputed the damage amount but paid the end of lease return charge of {$490.00}. I still have not received anything from GM Financial what the damage charges were for, nor have they provided me of my request for both the XXXX and XXXX for a paid receipt showing the repairs had been made, or the information regarding what the car was sold for. If the company did not make the repairs or were made for less money than I was charged, I was overbilled for the purported damages.
How can a company send me a bill and not have to prove that the repairs were made so I know that they are not billing me more than the repair cost, and that the repairs are made. How can a company report my account to a collection agency and ruin my credit unilaterally when I have disputed the charge?
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| 07/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I have been paying on a loan, on my XXXX CHEVROLET CORVETTE, which I have made a point of not being late, in order to build up my good credit record. I have been expecting my last payment to be final XX/XX/XXXX & expecting to be able to collect the title & was very excited that it will soon be over with & would be paid for however noticed the statement even gives a 4 payment to go & it also states that there has n't had any past due amounts or late fees charges on any of my statements. Yet my payments on the loan is {$510.00} ( {$460.00} principle + {$45.00} interest ) which would be {$2000.00} but they claim I owe {$3100.00} for my current balance? Which is {$1100.00} still left they are claiming I owe?? So I tried resolving this with customer service & was informed I was n't late on my payments ( which I specifically made sure I was NEVER late to making my payment in order to build a good credit history ) but was being charged an interest fee they charge daily that I am required to pay for even with making all my necessary scheduled payments & NEVER was it ever listed on my statements that they were charging me ANY of these fees or that I even owed it. They claim I was informed of these such charges & even mentioned how it was on my contract & if I did NOT pay this added amount within 30 days after loan matures that they have the right to REPO MY VEHICLE!?! Yet directed me to another department to make arrangements for this additional amount they are trying charge me. I feel very disappointed about this whole ordeal & wanted it to be rectified & have it resolved!!! I CA N'T BELIEVE they can get away with this & would appreciate any advice resolving these charges or fees & would like to inform anyone else who maybe considering using their services to BEWARE OF HOW THEY CONDUCT BUSINESS WITH THEIR LOYAL CUSTOMERS!!
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| 02/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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At least a XXXX XXXX XXXX on XX/XX/XXXX. In my lease contract it shows there is a disposition fee at the end of your lease term if you do not purchase the vehicle or lease another vehicle from this manufacturer there will be a fee of {$590.00} that I agreed to back then. Like the 15 or so other General Motors vehicles that I have least over my lifetime I agree to this fee because I knew that I would always be getting another General Motors vehicle. In XXXX the world was struck with the pandemic all of the plants were shut down and vehicle production was halted. Because of this shutdown and production halt there were no vehicles available at the time when my lease was to be returned. I called multiple dealers in multiple cities from XXXX to XXXX to XXXX and there was no vehicles available in the full-size SUV class that I must drive due to my family size. In addition to the pandemic and low inventory in the full-size SUV category GM launched a new model year which made inventory even more scarce. I proactively tried for months before my lease term came up but there was no inventory on the market and there was a waiting list for all full-size vehicles from 6 weeks to 90 days. Due to this situation I wasn't able to grab another General Motors vehicle I was forced because there was no inventory to shop from another manufacturer.
I feel I am wrongfully being charged a {$590.00} disposition fee because General Motors went into contract with me stating that they would provide me with another vehicle at the and of my lease term but in this situation because of all the factors explained above there were no vehicles available and General Motors did not hold up their end of the bargain. Now I am being threatened that my credit will be destroyed if I do not pay for a service that General Motors was not even able to provide.
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| 01/15/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In XX/XX/XXXX, I leased a XXXX XXXX XXXX at the end of that lease I turned it in to a XXXX dealership after buying a brand new car from XXXX. I did not receive a bill or statement to notify me of charges associated with the end of lease. I did receive numerous spam calls from people identifying as GM Financial whoever asked me for my social security number and said they couldn't help. I was alerted from my Credit Card Service that I had been reported 30 days late to the credit bureau ( still have not received a bill ). On XXXX XXXX I finally spoke to someone at GM Financial and was told they had sent a bill to my address but upon further investigation it was sent to the wrong address ( not the address associated with the address on my account ). The representative said she would send it to my updated address and remove the 30 day late mark on my account. As of XX/XX/XXXX, I still had not received a bill and had been reported 60 days late. I called to talk to a representative who said that even if i hadn't received a bill i was still 60 days late. I asked to speak to a supervisor and i was put on hold for over 10 minutes, only for the representative to tell me no supervisor is available and she will have them call me when available. I never received a call. During my lease of this vehicle, I signed up for paperless and received my statements on my account. I am not sure why the statement for the final bill has not shown up my account. I have asked for a paperless statement or email and have been told they couldn't do that. I have not received any sort of notification of the charges or statement just a total bill amount, and I'm not sure how my account can be reported as 60 days late when a bill was never received due to their logistics and error. GM Financial has made no acceptable effort to rectify the situation.
|
| 07/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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GM Financial did not put the correct information on the credit report. The credit bureaus are reporting that I did not pay what was told in full through explanation not the amount total. Even though, the amount total was XXXX balance, the explanation was damaging. GM Financial stated, " I did not pay in full and I was 120 days with the four payments. '' This was not true. When I found out that I owed this payment out of 2 years, I agreed to pay XXXX which was a settlement plus 80 payments which was all the payments owed. Somehow, this remaining balance came from change deferred payment which I was not aware of. The statement GM Financial reported to the bureaus brought my credit score down XXXX-XXXX points. Like the payment stood for nothing. I paid XXXX dollars and I request for fairness. I paid what was requested of me. They agreed to XXXX leaving XXXX % balance. Even though, I struggle to pay most of the balance at XXXX a month, I was not late with one payment. They left with the explanation that hurt my credit. I want respect for what I paid and I want my credit for my payment. I made it extremely clear I was paying this type of balance because of my credit. I paid what they requested on time for 6 months. I do n't deserve negative comments to ruin my credit. I went through threats and strangers calling my phone about a balance I did not know I owed. When it came to collecting the balance, I gave no negative comments or refused to settle, I just paid. Please, be fair to what I paid and how I paid. I was not 120 days late during these payments. Please, correct this statement and be fair to the agreement. I paid what was requested on time I was not 120 days late. A company should not have the right to have so much power to ruin your credit. So, I am requesting for fairness toward what I paid on time. Thank you.
|
| 01/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
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On XX/XX/XXXX I signed a deal for a XXXX XXXX XXXXXXXX XXXX XXXX with no money down from XXXX XXXX XXXX XXXX XXXX XXXX and AmeriCredit approved the financing for the vehicle.. On XX/XX/XXXX I was called by the dealership to bring it back because they claimed that my check stubs were fake and that the company I said I worked for wasn't real without proof and after signing for my new vehicle it was taking back without proof of the stubs or company being fake. I went into the dealership with proof and the dealership blamed everything on GM Financial. So I wrote the dealership and the GM financial CEO 's and sent Proof that my check stubs are real along with the business being in good standing On that day. It's Wednesday and I haven't received a response. The worse part about the situation is that a Finance Manager was fired because of it. So was I denied because of the General mangers personal relationship with the finance manager? I only asked because I was told that The Rep From GM financial called the General Manager personally and said that my check stubs were not real. Then the General Manager went as far as looking up my companies DOT number and pulled a old out of service order from XXXX and going along with the rep from AmeriCredit. This has effected my credit score in the worse way and my livelihood because I need a vehicle and I can't go anywhere else until I fix my credit score and get those inquiries of of my consumer report. Not to companies reputation is on the line as well. I went out of my way to prove to them and show them I am what I say I am. Those companies don't even have enough respect for consumers to admit when the make a mistake. It hurts because everybody in the world isn't trying to get over. I really just want my approval to go through and go back and get my vehicle from that dealership.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
RE : GM Financial Account # XXXX Had a 4 year lease with GM Financial for a XXXX, with perfect payment history and the account set up on Auto-Pay. I have a perfect credit file on all 3 bureaus, and have never missed a payment.
Upon return of the leased vehicle, I was not advised of the {$590.00} return fee, and did not receive a bill for the fee. In addition, the account was always on auto-pay, which GM Financial states they remove automatically at lease return. This was also not advised.
Received a phone call on XX/XX/XXXX from an outbound agent for XXXX, stating that there is a balance on the account of {$590.00} and explained what it was for. I advised that I would be happy to take care of the payment, and asked if I can schedule it the following week. He did not state that this was past due, nor did he advise of the actual due date.
As agreed based on the conversation, I set up the payment on XX/XX/XXXX to be deducted on XX/XX/XXXX.
Today XX/XX/XXXX, I received an alert on my XX/XX/XXXXcredit file that GM reported me 30 days late. Thinking it was an error, I immediately called GM Financial. I explained everything noted above, they verified the pending payment, and then I asked them to remove the 30 day late that they reported.
After speaking with managers ( ID # XXXX and ID # XXXX ), they told me that its my fault that I did not know they removed me from auto-pay, as well as took no responsibility for their agent on XX/XX/XXXX advising that I could pay when I did.
They refused to remove the late off of my XX/XX/XXXXcredit file, which dropped my score from XXXX to XXXX. I am in process of purchasing a home, and this will drop me to tier 2 credit.
I need some assistance here, as the business practices of GM are both unfair and deceptive.
Thank you in advance for your assistance.
XXXX XXXX
|
| 09/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
I took a car loan from Gm Financial to finance XXXX XXXX XXXX. The monthly payment for the car note is {$430.00}. Everything was going well until I sustained injury from my work on XX/XX/XXXX.
I notified GM Financial that I am not going to be able to pay the car note as usual due to my injury. As a result of this injury, I experienced a financial hardship. On some occasion, I opted out to pay interest only on the car loan.
In XXXX XXXX, one of the car payment was returned by my bank. When I asked the bank why my check was dishonored, the bank explained what had happened, but, instructed me to resubmit another check in the same amount. That payment cleared the bank on XX/XX/XXXX.
Subsequently, on XX/XX/XXXX, at around XXXX a.m.- XXXX a.m XXXX the car disappeared from my driveway. Early in the morning at around XXXX a.m, I called GM Financial to report of the missing car. The Customer Service Representative - named : XXXX ( XXXX ) informed that they are the one who repossessed the car because of non payment. XXXX told that in order to get the car back, I must pay XXXX, XXXX and XXXX XXXX, which is = {$1300.00}. As a result, on XXXX XXXX, I decided to pay all the money owed through XX/XX/XXXX = {$1700.00} including the XXXX XXXX transfer fees.
On XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX XXXX XXXX, and pleaded with her to release my car. She said, that was not possible unless I pay a repossession fees of {$590.00}. In addition to that, she also demanded {$250.00} fees because the car is at the auction lot.
All these happened amid harassing telephone calls and verbal insult on me. My response to XXXX was that she need to reconsider my financial situation and release the car to me so that I can have a means to go to work. She was adamant, and told me that they car is already on auction.
|
| 06/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
On or about XX/XX/2016 I was victim of a stolen car that was financed through GM Financial. My insurance company later deemed the car as a total loss and paid GM Financial about {$24000.00} around XX/XX/2016. There was still a balance of between 2-3 thousand remaining on the contract. Being that GM Financial received a payment from my insurance company around XX/XX/2016 I assumed that this payment would cover my XX/XX/XXXX regular installment payment and that I was safe until my Gap insurance company concluded their part in paying the remaining balance. I received a call from GM Financial in the later month of XX/XX/XXXX making me aware that I was past due on this account and that I needed to make a payment, therefore soon after I made a payment of the balance owed and the next month 's balance until the GAP insurance payed off the rest. GM Financial dinged my credit report as being past due 30-60 days due to a miscommunication between me and their CSR. I am not sure how the payment was 30-60 days past due when it was only the month of XX/XX/XXXXpayment missed and I made a payment in XX/XX/XXXXfor the month of ( XX/XX/XXXX & XX/XX/XXXX ) once notified by the CSR. Prior to this incident I have never been late on a car payment with GM Financial. Due to the misunderstanding of me thinking that the insurance payment would be applied in the same manner as a regular payment coming from me I thought that it covered my regular payment as well. I have tried contacting GM Financial through many different channels to get this issue resolved. I am not asking for information to be deleted due to willful neglect, I am asking GM Financial to also see this issue from a customers perspective and also note that it is partially the fault of lack of proper communication that made this issue occur.
XXXX XXXX XXXX Acct # XXXX
|
| 03/09/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/XXXX - Set up auto payment for my new car lease with GM Financial.
XX/XX/XXXX - Called GM Financial 's customer service since the auto payment did not go through and I had a late change. Paid the late change and had the fee waived. GM Financial 's customer service representative walked me through setting up auto payment online and provided the wrong amount ( - {$10.00} less than my actual payment ) since we was looking at the total amount with the " fee waived '' applied.
XX/XX/XXXX- XX/XX/XXXX- GM Financial 's auto payment was pulling monthly payments from my account for - {$10.00} less than what was owed. With fee 's it looked like my typical amount, I did NOT receive any form of communication that this was inaccurate or that the full amount was not being paid.
XX/XX/XXXX - GM Financial 's auto payment automatically disabled due to {$40.00} threshold activated for a " delinquent payment ''.
XX/XX/XXXX - I was notified through my credit report that my credit report had dropped a " significant amount '' which is why they contacted me. When I inquired they said that GM Financial had listed it as delinquent. I reached out and GM Financial 's customer service told me that it was due to an error in Auto Payment feature and to file a dispute with XXXX and have them contact GM Financial where they would confirm the issue. I filed a dispute. The dispute came back and they said they do not reach out to financial institutions and that GM would have to contact them directly.
I am now reaching out to CFPB in order to have this resolved since both institutions are communicate with each other to remove the delinquency. This was in error of GM Financial setting up the wrong payment amount leading to the auto payment being shut off and I do not believe it should impact my credit score.
Thank you, XXXX XXXX
|
| 03/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
OnXX/XX/XXXX, GM Financial inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with GM financial since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted GM customer service on XX/XX/XXXX to question why myXX/XX/XXXX payment was reported to the credit bureau as being late. I paid theXX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXX and XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states GM financial will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXX and instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.
|
| 04/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
1. On approximately XX/XX/XXXX, Complainant leased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX.
2. Payment amount of {$610.00}, per month.
3. Complainant, paid Americcredit/GM Finanacial, in a timely manner from XX/XX/XXXX - XX/XX/2020.
4. On XX/XX/XXXX, Complainant hand delivered a car buy out Casher 's Check in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX Cents ( {$20000.00} ), to XXXX XXXX XXXX.
5. On about the XXXX day of XX/XX/XXXX, Americcredit/GM Finanacial, reported Complainant 's account as delinquent, and XXXX, without prior notice or any type of due process or equal protection, immediately penalized Complainant with a ninety-one point ( 91 ) deduction from his credit score.
6. On about XX/XX/XXXX, XXXX stated that its investigation was now complete. If it was able to make changes to the credit report provided, it has done so. Otherwise we have contacted the company reporting the information you disputed, supplied them the documents you gave us with your dispute, and instructed them to review all information we provided them about your dispute ; information provide us a response to your dispute and update their records and systems as necessary.
7.Complainant 's credit report, still remains past due thirty ( 30 ) days and listed as delinquent ; still has a ninety-one ( 91 ) point deduction.
8. Complainant states that this started with XXXX, penalizing him based upon allegations of Americcredit/GM Finanacial, without due process and equal protection of the law.
9. Now XXXX telling the Complainant that, its up to the Offensive Party Americcredit/GM Financial to due the right thing. When they both are working hand in hand, to deny the Complainant his due process and equal protection of the law, by penalizing him outside the frame work of those laws.
|
| 03/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
The car, a XXXX XXXX XXXX, was purchased in XXXX for approximately {$18000.00} with a 6-yr term. The final payment was due to be made in XX/XX/XXXX. They offered a two-month deferment at some point during that period which was accepted. The understanding was that the final payment would now then be due XX/XX/XXXX. With all of the interest and fees, an {$18000.00} car ended up costing in excess of {$36000.00}.
On the GM Financial app, there was a countdown to the number of payments that were to be completed for the 72 months. In XXXX it stated there was only one payment left ... I later found out that there was an additional {$6000.00} owed on the vehicle. This seemed impossible provided that I had been paying on the car for 6 years. Upon calling the company, they tried to tell me that the extra {$6000.00} was a result of interest that accrued with the deferment and also late payments along the way. While it is true that I ran into financial difficulties and had a run of late payments, I paid those late payment fees and now I feel like I am being double charged for it.
The car, in fair condition, its only worth about {$1200.00}. It makes no sense to pay GM Financial another {$6000.00} on a car that was only purchased for {$18000.00} when they received {$36000.00} for it. I offered to settle with them for the value of the car. They are not willing to accept that. I should not have to pay them anything else!! I am to the point of asking them to just do a voluntary repossession, because theres no justification for paying them any more money for this car that is falling apart! I agreed to continue paying on it in fear that they would come and repossess it if I did not make an agreement. But, I have no intentions of continually making payments for the next year as it DOESN'T MAKE FINANCIAL SENSE!
|
| 08/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On the day of XX/XX/2021, I decided to drive the vehicle I obtained through a consumer credit transaction, used for family personal and household purposes, to the gym for a hour long workout session. Upon walking to the spot I parked my vehicle, I noticed it was in fact stolen. I immediately reentered the gym and requested to see the security footage of the Parking lot for the last hour. I also called the XXXX police to aid in the investigation. I filled out a police report with the facts and while watching the footage of the security camera, it showed a debt collector from the company named XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, Michigan XXXX, in a tow truck hired by GM Financial, back into my vehicle, lift it up, and proceeded to steal it in broad daylight! My vehicle was financed through GM Financial, whom I have several CFPB complaints against for violating my federally protected consumer rights under chapter 15 Title 41 of the United States Code. When I contacted GM Financial they attempted to extort and bully me into paying {$2100.00} for property that was obtained on credit and which included a finance charge. Pursuant to 15 USC 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I am a consumer who has been violated and robbed of my personal property by Gm Financial and they have not received any repercussion as a result of stealing. I have lost a job, missed job opportunities, and have experienced hardship as a result of the theft.
|
| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. GM Financial violated 15 usc 1692b. ( 5 ), 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
To GM Financial. I am writing this inquiry to dispute account with GM Financial that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by GM financial the account was delinquent. I have now learned the following information from contacting GM Financial. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring GM Financial at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe GM Financial is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with GM Financial in good standing. The borrower turned the vehicle in early and again I was not notified by GM Financial of this situation. Information provided to me from GM Financial advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate GM Financial, my credit score is being unfairly impacted given GM Financial being made whole on the transaction. To this day I have never been contacted by GM Financial about the status of this account, and did not learn about it until I attempted to apply for credit.
I was a loyal customer to GM Financial, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.
|
| 08/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/2018 I signed a three year lease agreement on a XXXX XXXX from XXXX XXXX. At the time the car was not on the lot but expected to arrive within the week. They had told me it is showing on their database as in transit to arrive soon. I left expecting my XXXX within a week at the latest. Two weeks went by and I left for a family vacation without my new car, which I expected to have for the trip. During my trip they called me to come in for a courtesy vehicle. On XX/XX/2018 I received the courtesy vehicle and again they told me my car should be in this week. They stated the computer showed my car in transit. On XX/XX/XXXX, I made a phone call to XXXX railyard. The manager said that vin number was not showing in her system which means it was not on its way. After that, I went to dealership to complain and ask if they could give me one of the four XXXX 's that were sitting on their lot. They stated it was out of their hands and they could not because I had signed a lease to a particular Vin Number. They continued to tell me my car was showing in transit. I have also been in contact with cooperate headquarters. They could not give me any answers nor were they willing to help me. I wanted out of my lease and after three weeks, I never received an answer. On XX/XX/XXXX, after a phone call to XXXX, I learned my car was finally showing " in transit ''. It's arrival date was XX/XX/XXXX On XX/XX/XXXX, I went to XXXX to pick up the vehicle. They were not willing to make this situation right in anyway. They put the blame on cooperate and cooperate put the blame on XXXX. I was inconvenienced and lied to for almost two months and all XXXX offered was to pay my two lease payments ( which I never actually had the car ). I am very disappointed and completely unsatisfied with XXXX XXXX of XXXX, Ohio.
|
| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Back on XX/XX/XXXX, I redeemed my GM rewards points of XXXX, which will be XXXX towards my GM lease payment. I was told their GM rewards department it will take up to XXXX business days to be applied. Also, I recv a confirmation email showing proof of this redemption. So, after 7 days, I called Gm Rewards dept on XX/XX/XXXX to see why the amt of XXXX has not been applied to my GM lease? Instead of explaining what's going on, I was cold transferred to the GM leasing dept/division. At that time, on XX/XX/XXXX, gm leasing dept said they don't see it and to call the rewards dept back, I did, only for them to make more sense. The rewards department can at least prove they attempted to redeem my points by sending me the email with an authorization #, but GM financial kept passing the buck. So, about XXXX weeks later, XX/XX/XXXX, I call gm financial and demand something is done, its not adding up or good business. So, GM Finance finally submitted an IT ticket to see what happened. I waited another week, so on XX/XX/XXXX, I call gm financial @ XXXX and spoke to customer service. I was told after XXXX being told to call rewards. Not until I insisted the rep check my notes in my acct, did she then say the wrong ticket was submitted, so she submitted another ticket to find out or trace the transaction. Still no answers or credit. Now, on XX/XX/XXXX, I was told to submit an email with proof of redemption. Now, on XX/XX/XXXX, told still working on it, no time given. So, today XX/XX/XXXX, I chatted on line with gm financial and was told they stopped the redemption to lease pmt process, but they are still looking. I asked can they just give the points back. Gm Financial said " when they track it down ''. Not Fair or Acceptable. Please help me either find a way to get these two dept honor their program.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Account number XXXX
|
| 02/05/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have had an auto lease with GM Financial for 5 years. I have it set to auto pay through my bank. It has paid every month, every year for 5 years. Until XX/XX/XXXX, when GM Financial contacted me to tell me I hadn't paid. I checked my bank statement, I checked with my bank and confirmed GM received the payment on XX/XX/XXXX.
GM had provided an incorrect number on the voicemail, their website was incorrect and I had to research to find the correct number to call.
After several hours speaking with several representatives over the course of SEVERAL DAYS, I faxed proof of cleared funds, and a TRACE ID to show they received it.
They did not research or look for the payment, but continued to harass and demand payment.
Finally, last week around the end of XX/XX/XXXX I spoke with XXXX from GM and she located the payment in their " old '' system and stated she took care of it.
Then, today around XXXX XXXX EST I received a cryptic message with no company information or name, just to call. I called -- the number picks up and places you on hold.
When someone finally answered, after a full 5 minutes of waiting to learn why they were calling, I was informed they were calling demanding the payment AGAIN.
I have been harassed by GM for nearly a month now. I have been accused of not paying, my credit is threatened by their incompetence and I have now been only hold for over 20 minutes with no resolve.
I'm being forced to go through this over and over and over because of their improper system migrations, failed customer service and incompetence.
I can not be the only consumer this is happening to.
To further confuse the matter -- they have changed phone numbers and addresses and failed to notify their consumers at all -- in addition to not properly reconciling their payment systems.
|
| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX, XXXX XXXX and XXXX we on my report. Number one I XXXX XXXX XXXX because I have no XXXX, so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX.
This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.
The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately.
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury.
Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports.
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
|
| 03/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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On XX/XX/2018, a payoff check for our auto loan with GM Financial was sent to their office. On XX/XX/XXXX, GM confirmed that they received the check. Today is XX/XX/XXXX, and GM still has not credited our account and closed out our loan, despite acknowledging that they received and cashed the payoff check. Not only that, but GM has continued to report the loan as Late to the credit bureaus! Not only did we make a regular payment, we paid off the loan in full!
Because of this, we were barely able to obtain a loan to buy a new car, and we had to pay a higher interest rate and were limited in our choices, because, to the banks, it looks like we still have an auto loan open, that we're not paying! AND they are continuing to hound us with collection calls! We were told they would put a 1 week " courtesy hold '' on collection calls last time we called - there's nothing for them to collect on! The loan is PAID OFF!
As if all of this wasn't bad enough - we're not the only victims! A rep at GM told us that there are " over 100 '' accounts in the same situation! They blame a recent " software upgrade, '' but it seems that there must be a way that in over a MONTH 'S time, they could credit our account and close it! They even generated a statement on XX/XX/XXXX, 15 days after they acknowledge they received the payoff, showing that we owe a balance we do not owe! It is fraudulent!
They acknowledge that this is entirely their fault, but every time we call, we're just put off further and further - " give us a couple more days, '' or, " it should be all cleared up within XXXX business days. '' But it isn't! This is ridiculous, and it can't be legal for them to continue to fraudulently report the account as Late to the bureaus, when it is not late at all! Please let me know what we can do.
|
| 10/08/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I received a letter from GM Financial that I would receive a final bill for any excess mileage and wear and tear in approx 45 days after I turned in the vehicle. I turned in the Vehicle on XX/XX/2019. On XX/XX/2019 I received a final bill that was due XX/XX/2019. On the bill it stated excess mileage of XXXX, a disposition fee of {$390.00}, and XXXX in tax. I was not made aware of the disposition fee until I received this bill as it is not stated in an identifiable manner but rather buried within the contract. the dealership that leased the vehicle to me did not disclose this to us at the time of leasing the car and we were shocked to receive this bill 3 months after we turned in the car and for 3 times what we anticipated. Upon calling GM financial the associate I spoke to stated the fee was for auction services, however the dealership bought my car and the car was not sold at auction. The GM associate changed her story and said the fee was a end of lease fee, when I asked why I didn't have to pay this on my previous lease she said that she did not know and would have to pull the contract. I also kept checking the website for my lease to see what my final bill was and it stated paid in full along with my credit report which I pulled in XX/XX/2019 which stated paid in full. when I checked my credit report today it not says I owe money and the account is open again this is inaccurate reporting. I feel this is deceptive practices for leasing a vehicle and this information should be accurate, disclosed correctly to the consumer at the time of the lease and not hidden in the contract and reported accurately to credit bureaus. Not a complete surprise 3 months after you turn in a vehicle. The GM financial associate also stated that I have 30 days to pay before I am reported late.
|
| 02/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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XX/XX/2016 GM financial hired XXXX XXXX XXXX XXXX to repossessed ( Steal ) four vehicles that they did not own titles or leans or have any financial obligation to. I had a loan that I was making payments on. I made payment arrangement with a rep and was keeping my obligations with the payments and never once informed that the vehicle was in a repo status. One morning about XXXX I went out to go to work and three of thefour cars were taken without my wife permission or knowledge, The police department was notified, we were informed they were repossessed. I explained and showed XXXX XXXX Police department that 1 vehicle was paid off and the other two were current and financed with other companies. I provided letters from the financial companies showing that the vehicleswere current and under no order of repossession.. XXXX police finally took the police report. Later that evening we received a call from XXXX XXXX XXXX XXXX saying that our vehicles were taken by mistake and they want to bring them back. When asked how did they get this number they would not say. Once the auto theft unit got involved the owner of the tow company meet with us and police. XXXX the owner showed my wife and I and gave XXXX police a copy of the repossession order requested by GM financial to repossess five vehicles and offered bonuses for each car they retrieved. None of the cars taken were financed by GM Financial. three of the vehicles were in my wife name who do not have an acct with GM. Gm called and on a recorded line stated well you have them back and offered no explanation but stated what are you going to do about the XXXX. Once they learned that the police were involved we did not hear from them for a while. They have charged Off the loan and put the charge off on all three credit reports.
|
| 07/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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To whom it may concern : I leased a vehicle from XXXX/GM whose corporate offices are listed as General Motors Corporate Office, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, Texas XXXX, and had them deduct the payment from my checking account. Due to an accident on XX/XX/2019, the leased vehicle mentioned above is totaled and my insurance company XXXX paid off the value of the car shortly after the accident. A payment of {$210.00} was withdrawn from my account on the XXXX of XX/XX/2019. GM Financial claims that this overpayment was refunded on the fifth of XXXX. This is not accurate. Months later, after countless hours of calls, in XX/XX/2019, I forwarded my bank statement from XXXX to show that no money was received from GM Financial. After a few months, I finally received my overpayment of {$210.00}.
GM Financial failed to close the file and notify the credit bureaus of the fact that I owe nothing. On my credit report, it still shows an outstanding balance over 350 days past due. Even though I havent owed anything on this account for more than 17 months.
I have already gone through hell with them trying to get my money back. How long will it take to fix these problems without your help? I want them to close my file and notify the credit bureaus. This companys incompetence is costing me my credit rating and the ability to get loans, especially now that I am trying to refinance my home.
Every time I call, I get the runaround. Again I called on XX/XX/XXXX, after 45 minutes and the customer service rep speaking to the supervisor, she told me my case had to be transferred to another department called the Consumer advisory section, This is ridiculous. I was supposed to receive a call today, XX/XX/XXXX, and still nothing. Could you please help me?
Sincerely, XXXX XXXX
|
| 04/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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1. GM FINANCIAL I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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|
Web |
Older American, Servicemember |
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Regarding GM FINANCIAL Account Number XXXX XXXX XXXX XXXX 36 Month Lease @ {$440.00} per month.
Vehicle was leased on XX/XX/XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX.
After the lease term expired, I accepted two monthly extensions for which I paid {$440.00} each month. Unable to arrange for an agreeable lease on a new vehicle, I exercised my lease purchase option and forwarded the amount stipulated in the underlying lease document {$21000.00} to GM Financial Leasing ( my check # XXXX dated XXXX, XXXX ) at the address furnished in their related letter dated XX/XX/XXXX which is XXXX XXXX XXXX XXXX XXXX TX XXXX. I enclosed the required odometer notice and statement and requested that the title be released to Virginia XXXX XXXX and XXXX XXXX XXXX. I also enclosed a prepaid FedEx return envelope in the hope of expediting handling of the transaction. On XX/XX/XXXX, I received XXXX XXXX check for {$21000.00} with absolutely no cover letter or explanation whatsoever! In response to my telephone inquiry, I am informed that I must go to XXXX XXXX and payoff the lease! Of course, the dealership can then send the payoff back to GM Financial! In order to accommodate this FRAUDULENT CHARADE, I was forced to pay XXXX XXXX {$590.00} captioned as Predelivery Service Charge! Please note that the dealership did not have possession of my vehicle and simply filed out a vehicle buyers order and applied to the XXXX of Florida for issuance of a title which was subsequently issued on XX/XX/XXXX. Obviously, GM Financial orchestrates this scam in order enrich their dealer partners while simultaneously abrogating their responsibilities to their lessees! I ask for a thorough investigation into this matter which is symptomatic of a widespread fraudulent scheme against the public!
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
Servicemember |
|
Due to extreme circumstances beyond my control, I was 32 days late on a payment. I've never been late on any previous payments and I am current with all payments now. This happened due to extraordinary circumstances out of my control. I was affected by COVID-19 and unable to access my account or internet/phone from XX/XX/XXXX - XX/XX/XXXX. I was then a victim of auto theft that lead to Identity Theft and had to change all banking /financial information. As I verified all of my financial accounts and filed police reports/investigations I noticed that GM Financial had a different last name associated on my account. They did not notify me of this incorrect Last name at any time. I was alarmed and believed this was due to the identity theft however I found out that GM was at fault for placing a wrong last name on my account. GM had a copy of my drivers license with my correct name and contract signed with my correct name. They are at fault for not verifying and correcting my contract.
I called into all my financial institutions to notify them on the XXXX of XXXX. GM has been ( the only institution ) unwilling to remove a 30 day late mark to the credit bureaus. They are unwilling to understand the severity of my situation and take some accountability for an error on my statements/account. I have offered to submit police reports and other documents and they have turned down every attempt I have tried to put forth. From a business relationship, legally and Ethically that this is a violation.
In summary the 30 day late payment was Due to a combination of the below events/factors : 1. COVID-19 2. Identity Theft ( Compromised financial accounts and online email, etc. ) 3. GM placing an incorrect name on my contract ( please see attached statement with incorrect Name )
|
| 11/02/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I am a member of the XXXX XXXX XXXX, and, prior to joining the military, I acquired a loan through GM Financial with XXXX XXXX XXXX for the purchase of a vehicle.
Since incurring this obligation, I entered the active military service of the nation in the United States XXXX on XXXX XXXX, XXXX. This entry into active military service materially affected my ability to pay. Under these circumstances, federal law prescribed the maximum interest rate which I was to be charged.
The Servicemembers Civil Relief Act ( 50 U.S.C.A. 3937 ) prescribes a ceiling of 6.00 % annual interest on any obligation under the circumstances described above. This interest rate must be maintained for the entire period that I am on XXXX XXXX, even if I default. The percentage cap includes all service charges, renewal charges, and fees. The rate is applied to the outstanding balance of the obligation as of the date of entry into XXXX XXXX service. Any interest charged above this statutory ceiling must be forgiven, not accrued. Any person that knowingly violates this section may be fined and/or imprisoned.
Therefore, I have asked GM Financial to amend its records to reflect this statutory ceiling and that any charges in excess of a 6.00 % annual rate are withdrawn. Also, I have asked for a detailed accounting showing the credit I was given for my time of XXXX XXXX service XXXX XXXX XXXX, XXXX to present ) with the 6.00 % interest cap reduction. I asked GM Financial to apply the credit to the principal balance on the loan.
They received the letter stating above from me on XXXX XXXX, XXXX, and I have received no response. Instead, GM Financial reported the entire balance ( with no amendment ) to the credit agencies as a write-off, and I am now having problems with my security clearance.
|
| 05/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I spoke with a GM Financial representative in XXXX about getting approved for a 3 month payment extension as I was furloughed from work due to COVID-19. I was told that GM was only approving extensions for one month at a time and I would need to call back in the next month and ask for another extension. I repeatedly asked if he approved only one month would this be an issue the next month and I was told no. The one month extension was approved for XX/XX/2020. I contacted GM on XX/XX/XXXX to request another extension for the month of XXXX and I then informed by an online representative that I could not be approved due to me already being approved last month for an extension. When I explained to the representative what happened the previous month I was told I was given misinformation and should have been approved for multiple months at one time. I then called GM to speak with a manager but was told one was not available at the time and the rep asked what was the issue. I explained what the problem was and the rep stated I was given misinformation and they would submit for another extension for XXXX and XXXX. The rep asked to place me on hold as she submitted the extension request but I was hung up on. I once again contacted GM to speak with a manager but was contacted with another rep who I explained the issue to all over again, this rep also placed me on hold to review for another forbearance. The rep cane back and stated I was approved for the month of XXXX and she had submitted for the month of XXXX for approval. I was told I was approved for another extension for my XXXX payment but I continue to get notices for my XXXX payment and I still have not received anything in the mail regarding the approval nor does the website make reference to the XXXX extension.
|
| 05/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/2019, I contacted GM Financial in hopes of receiving relief because I was 14 days behind in my payment. Therefore, during this call, GM Financial Representative provided several options, then I proceeded to exercise one of those options, which I was immediately denied. Confused, I inquired about the denial, the Customer Representative stated, I needed to pay my bill, which was 14 days late. I requested to speak to her supervisor, the representative tone, volume, and pitch became increasingly unprofessional and hostile. Therefore, the GM Representative ( XXXX ) eventually disconnected the phone, while I was in mid-sentence. I called back, to only have a representative answer, while obnoxiously laughing. A couple of weeks had past and I requested for the vehicle to be repossessed, then the charade begun, with " we are sorry for how you were treated, '' " we are sorry the representative misinformed / misquoted our policy. '' In addition, the representative falsified the notes, which created a debacle about whose telling the truth. Well, I have written the XXXX, and provided more in-depth information, and I can say my biggest mistake was becoming a customer of GM Financial. I am completely disgusted with their treatment of me and this topic. Furthermore, I was talked out of returning the vehicle ( repossession ), because I was informed, if I paid a small fee, that XXXX and XXXX payments would be placed at the end of the contract and my credit would be restored, which was another lie. As aforementioned, I should have never became a customer at all. I have 59 miserable payments to go, which I feel ( re ) victimizes me every month, afterwards, I will request for it to be deleted from credit report, because I never want to look at this mistake again.
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX XXXX ) of any sort.
In regards to The company XXXX XXXX XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company XXXX XXXX XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( XXXX ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
|
| 11/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; On XX/XX/2018. While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.
Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XX/XX/XXXX. The vehicle purchased in XXXX, according to GM Financial, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the XXXX XXXX and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.
Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.
|
| 03/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
GM FINANCIAL LEASING ACCOUNT # XXXX RE : XXXX XXXX XXXX XXXX XXXX LEASE My father, XXXX XXXX, passed away XXXX. He did not have a will, a trust or any other type of estate planning in place. I sent GM Financial his death certificate several times by fax or e-mail until they finally marked his account as deceased. I attached a cover letter showing my intent to buy the car once the account had been properly notated as deceased. My cover letter stated clearly I had been working with the dealership.
Before the account was notated I had received phone calls and requests from customer service when I called to pay the account current. I refused to do that since I am not on the lease and did not trust them due to the problems they had in marking the account deceased.
They offered and assured me that if I brought the account current I could assume the lease with no problem and bypass the dealership. The monthly payment was {$170.00} and the mileage is XXXX miles. The only thing was that I make the payment, wait for it to post and then call back to the lease assumption department at XXXX. I called and talked to XXXX and XXXX and was told that I could not assume the lease since there was no will or trust set up for my father prior to his death.
After going back and forth and challenging as to why I was told I could assume the lease with payment I asked for my money back. They told me to get an attorney if I wanted my money back.
The payment I made of {$530.00} was stolen outright from me by the lies and promise that I would be able to take over the lease. I never at any time signed a contract with them and was not on the lease. It was beyond deceitful and deceptive that they got their account current and did not care who they got the money from.
|
| 06/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I leased a new car through GM Financial about 2 years ago. I planned to make payments by auto pay from my checking account as I always do for repetitious payments. In order to set up auto pay, other companies have always asked me to send them a voided check. GM did not work that way and instead asked me to read to their representative the routing and account numbers from the bottom of my checks. Because I am not knowledgeable about the banking system, I mistakenly read ALL the numbers, INCLUDING THE CHECK NUMBER. The GM rep did not point out any error, I concluded the auto pay setup and the call. I assumed that all was set up and that my payments were being taken from my account monthly. Several months later, I received a late payment notice with late fees and an invoice for several months rental. I called and spoke with another GM rep and gave that person my check numbers again, and the same sequence of events occurred. This scenario continued throughout my entire 2 year lease. None of the reps mentioned that I had read them too many numbers or the fact that the last 4 digits were different each time I read them out ( since they were the check numbers ). The outcome of all of this is that GM sent a poor credit report to XXXX that lowered my credit score by about 300 points. I have always taken great pride in my high credit score and complained to GM that their poor report was not warranted because my intent was always to pay on time. The only problem, which should have been caught by the GM reps, was my lack of knowledge of the banking system and their refusal to take a voided check. When I appealed, they responded like robots, saying that, because they did not make an error, they would not withdraw the poor credit rating they had sent out.
|
| 12/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
XXXX XXXX Gmc.
XXXX XXXX XXXX XXXX XXXX, I test drove a XXXX XXXX, yesterday at the XXXX XXXX XXXX, Ga XXXX location at XXXXXX/XX/XXXX. Then I did the process and procedure on financing a car. It wasn't a XXXX XXXX on the seat, when I test drove the car. But after I was approved there was. I have pictures of the XXXX XXXX on the seat. XXXX XXXX XXXX salesperson XX/XX/2020 ). I talked to the head manager. He stated A manager in his position at XXXX XX/XX/XXXX. I told him about the XXXX XXXX on my driver seat. He told, me that the crew, that did the last inspections. Had to leave it in there after they took the agreement off the window, stating if I bring the car back. He would personally take the XXXX XXXX out of the car. I tried to go over his head, ( Tue, XX/XX/2020 XXXX XXXX XXXX XXXX, but that was the headquarters. In buying a car there is an agreement, and I feel that my agreement was broken on XX/XX/2020. Due to the fact that the staff knew, I had finished my paper work, and placed the XXXX XXXX in the car as a XXXX trap to harm me or the car. ( Paper work XXXX XXXXXX/XX/XXXX completed. /Address/ XXXX XXXX XXXX XXXX XXXX, Ga XXXX ). I contacted the GM finance department, and the person I talked to gave me a case number. And told me what department she was in and her position. I have pictures of text messages and the XXXX XXXX in my car. ( Case Number or Service Request Number XXXX XXXX. Call me ( customer experience manager ) At XXXXXX/XX/XXXX the woman 's phone hung up on me. She called me back at XXXX, her position was ( Customer Service Representative GM ). The woman told me she would give me a call back in one week and she never did.
P.S. ( By state law in Georgia, I have 3 days to file a complaint ).
Sincerely, XXXX XXXX XXXX.
|
| 01/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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I bought a XXXX pre-owned XXXX XXXX from this dealership on XX/XX/XXXX. I traded in a XXXX XXXX XXXX XXXX XXXX with equity against the purchase. This was deal : XXXX. I took out a loan from GM Financial for {$18000.00} ( account # : XXXX ) to pay for the XXXX. I took it home and left the XXXX with the dealership. On XX/XX/XXXX we found out that XXXX XXXX XXXX was not going to accept the payoff from XXXX and give them the title to the XXXX. I notified my sales consultant, XXXX XXXX and his XXXX XXXX XXXX. They supposedly had gotten the ok from XXXX XXXX to do this deal, but either they never checked or were given incorrect information. So, I worked it out with XXXX to return the XXXX which I did on XX/XX/XXXX to the dealership and I took back possession of the XXXX. Sales XXXX, XXXX was present for the exchange of cars. XXXX and XXXX both told me that's all we had to do, the deal would be unwound, and, most importantly, XXXX would give GM Financial back their money, and my loan would be canceled. Today is XX/XX/XXXX and the loan is still in full effect, and the first {$310.00} payment is due on XX/XX/XXXX. I have had numerous calls and texts with XXXX who claims this will be fixed, and I won't have to pay on the loan of a car I don't have. But after 3 weeks of time and promises, and I still have the loan and the looming payment. GM Financial says they have no information from the dealership that this loan is to be canceled. I'm unable to get any further with the dealership, so that's why I'm making this complaint. There's no reason I can see or that they can explain to me as to why I can't be relieved of this loan. I just keep getting unfulfilled promises that it will be fixed, and now I'm just being ignored or given incorrect information.
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| 08/18/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I had a lease with GM Financial for a XXXX XXXX that started XX/XX/XXXX. My GM Financial Account number is XXXX. The lease was scheduled to end XX/XX/XXXX. I leased a new car with XXXX and they accepted to turn my XXXX lease back in for me. That was completed on XX/XX/XXXX, more than a month before the end of my lease. Unfortunately for some reason GM didn't report the car returned until XX/XX/XXXX so they added a month payment to the end of my lease.
I contacted GM Financial and after a number of months of back and forth discussion after providing the lease return receipt from XXXX they agreed to remove the added payment and I made a settlement program for the amount owed ( wear and tear, lease return, fee, etc. ). This program was instituted on XX/XX/XXXX and I have made payments every month since then.
The gmfinancial.com portal showed the revised amount due with the removal of the extra month payment so I thought all was well. I got a letter from GM Financial on XX/XX/XXXX with an update on the amount owed. It didn't correlate to what is shown on the GM Financial portal so I called customer service today XXXX XXXX, XXXX to inquire about the difference and they are now saying they never removed the extra month payment and that I still owe the amount. After 30 minutes of explaining the whole situation over again they said they'd escalate the issue and to call back in 48-72 hours.
I have no confidence that GM has any intention of removing the payment for a car I no longer had and returned a month before the end of the lease! They added a payment thinking I still had the car but even after giving proof that I returned it before the end of the lease they are refusing the remove the extra payment.
Please help me resolve this matter.
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| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/XXXX I leased a car from GM financial the amount for each month was supposed to be {$330.00} and when I received my first billing statement it said the amount that was due {$310.00} and including The payment coupon at the bottom of the statement it said {$310.00} when I logged in and setup the auto payment it showed for {$310.00} thats the only option I had so I set it up and thought that they made a mistake the first time and the current amount was XXXX and I didnt think anything of it I pay all my bill with autopay so I just forgot about it and a few months later I see a late payment on my credit report they never tried to contact by phone or mail they said they emailed me but I never got it So I called them to try to fix the problem and they told me that was a mistake that the bill was sent for that amount it was their mistake so I paid the pasted do balance and brought it up to date and they said they will remove that late payment inquiry off of my credit report and which they never did! And also when I leased t my car from them I returned a car and they were supposed to waive the disposition fee because I was leasing from them again they didnt do that either and reported a late payment fee again on my report and I returned the car the same day as I received the new one after going back and forth with them they did waive the disposition fee but still have a late payment on my credit report so I have 2 late inquiries from them on my report and I never had a late payment before I always pay everything on time and I keep calling them to remove it but nothing is getting resolved. And Im trying to purchase a home this has effected my credit big time that Im having a hard time getting approved please help me resolve this issue
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| 12/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a lease vehicle through GM Financial that was rendered a total loss due to a car accident, in XX/XX/2018. In XX/XX/XXXX, my personal auto insurance remitted payment to GM Financial for approximately $ XXXX, leaving a balance of $ XXXX. Based upon my contract, and the information provided to me at time of lease, GM Financial purchased a gap insurance contract on behalf of themselves to cover any gap balance. After my personal insurance made payment, GM Financial assured me that there was nothing further owed on my end, and they would deal directly with their insurer for the balance. In XX/XX/2018, GM Financial reported me as XXXX days delinquent along with the balance with all XXXX credit reporting agencies. I called them and they ensured me that the reporting was a mistake, and an update would be submitted to the agencies to get it removed. Not only was the XX/XX/XXXX delinquency not removed, but GM placed a XXXX day delinquency on my report in XX/XX/XXXX. For the past week, I have called GM at least XXXX times. They promised to remove the delinquency marks, and promised to fax over a letter stating the account was up to date. Every time I called in, I am given the run around. I escalated my call to a Supervisor, but the Supervisor has not returned my calls. I escalated my call to the Total Loss Department Manager, and he has not returned my calls. Between the Supervisor and the Manager, I have left at least XXXX messages with no success. My credit report is damaged due to GM Financial 's lack of sufficient controls to mitigate operational risks like this. GM Financial has violated my FCRA rights by reporting inaccurate information on my credit reports, and has admitted to their violations several times on our recorded calls.
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| 09/10/2017 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/XXXX, my vehicle was repossessed by GM Financial, who is a third party debt collector, and not registered with Texas to collect debts in Texas. After filing a lawsuit in state court for theft and conversion of my property, I find out that XXXX XXXX XXXX is using the name of GM Financial to collect its own debts. GM Financial shows on my credit report, and so does XXXX XXXX XXXX. GM Financial paperwork states this is an attempt to collect a debt on its paperwork. On or about XX/XX/XXXX, I tendered two payments to GM Financial and one to pay the vehicle off. One payment was a money order from the XXXX XXXX and one payment was from private sources. On or about the last of XX/XX/XXXXI received a release of lien on my vehicle, and then a copy of the Title was sent later. Approximately two to three months later, my vehicle was repossessed by GM Financial. I received a couple of letters, stating that no payment had been made, and thought it was a mistake. After the vehicle was picked up, I questioned what GM Financial used to repo the vehicle since I had the original title and a lien release letter. I filed in state court a restraining order to stop the sale of my vehicle from the illegal repo. It was at this time I found out that the money orders had a problem. The XXXX XXXX money order was never credited to my account, and checking with the post office, the money order had been cashed. The private source money order had an incorrect number, and I was never made aware of this. By law, GM Financial should have notified me of any defects so that it could have been corrected. The XXXX XXXX money order was never returned, nor the private funds money order. There was no reason for me to know that my vehicle was going to be repossessed.
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| 11/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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on XX/XX/2018 i was purchasing two vehicles from XXXX XXXX XXXX XXXX meeting. on this day the car dealership had took my XXXX XXXX XXXX as a trade for XXXX the deal was i would get back XXXX and be walking away with 2 cars a XXXX XXXX XXXX and a XXXX XXXX XXXX with the title to the XXXX and the XXXX was to be financed.
This is only the beginning of everything.. so let 's start with when i got home that night i had a chance to sit down and finally been able to review the loan documents they financed my XXXX at XXXX when the agreed upon price was XXXX so when i noticed that the loan was not what i agreed upon i immediately called my Loan holder because XXXX XXXX would not answer the phone or this person wasn't available the moment please call back ... so after the first day of being ignored i went back to the dealership where i went to also question the huge scratch down the side of my vehicle that was not there at time of purchase. when i arrived the sales man goes oh you're here about the huge scratch aren't you XXXX said he's not fixing that ... my reply oh well no actually that's one of the things ... so needless to say after asking AGAIN to speak to someone no one was magically available to take this matter or they where all gone on vacation ....
so here we are 6 months later fighting GM financial have had my credit XXXX because of this couldn't refinance my house because i couldn't pay the car loan and accept responsibility for it ... well GM financial is another one i will be putting a complaint in against so to anyone looking for a car PLEASE GO SOMEWHERE ELESE OTHER THEN THIS FRAUD DEALERSHIP THEY LIE RIP YOU OFF AND DONT CARE!!! STAY AWAY FROM XXXX the car salesman he IS XXXX AND DIRTY AND DOWN RIGHT A LYING PEROSN
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| 06/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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My husband and I took out a car loan with GM Financial. Early this year, XX/XX/XXXX, we noticed that the company was not reporting our account information to the credit bureaus. They stated that they were " switching systems '' and could not report to the bureaus. I called several times over several months trying to find out when this situation would be corrected. The company, finally reported some information in late XX/XX/XXXX or early XX/XX/XXXX because I adamantly requested that they manually update the credit bureau. We thought that this issue was finally taken care of. However, we refinanced with another company at the beginning of XX/XX/XXXX. XX/XX/XXXX is the date that the account, with GM Financial, was paid off. They stated this would be reported on the next billing cycle, which would be XX/XX/XXXX. It was never reported. I have called numerous times in the last month to find out why this has not been reported and when it will be reported. I was told that this would be reported on XX/XX/XXXX. It is now XX/XX/XXXX, and GM Financial stated that they are again experiencing system issues. They are unable to report that our account with them is closed. My credit report still shows that I owe their company a little over {$12000.00}. GM Financial is unsure when they will have a solution to the " system issue '' that is not allowing them to report our closed account. My husband and I are unable to apply for a mortgage or look for another vehicle, because it shows that we are in way more debt than we are. The issues with this company have been ongoing for over 6 months. On top of these issues, the customer service was horribly rude and there was ZERO communication about the lack of reporting or issues that this company was having.
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| 08/23/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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A certified letter ( XXXX ) was sent to GM Financial/General Motors Financial Company/General Motors , LLC/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to demand for validation of debt Pursuant to 15 U.S.C. 1692g. I requested documentary evidence to ensure I am obligated to pay this alleged debt.
Pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I invoked specified remedy and demanded the following : A copy of the contracting binding both parties consumer and GM Financial in a letter by certified mail so that there is an independent witness to it having be delivered Verification of GM Financial claim against consumer that will be a signed invoiced Validation of the alleged debt and that will be the actual accounting as it relates to o Book of account ( GAAP ) related to consumer credit transaction and the account which will include the ledger of both sides.
o Financial and corporate records that would substantiate this allege claim of {$13000.00}.
o Any other lawful or verifiable proof of claim money for loan originated from GM Financial XXXX bank account or stock Any XXXX filing and or statement including any addendums Consumer received a formal notification that GM Financial was in contact of their reference to account XXXX. From the requested information above, GM Financial stated this account may have been fraudulently established as a result of identity theft. I was seeking to validate debt. Pursuant to USC 1692g I asked the office to provide proper document as requested. GM Financial was advised to cease and desist all collection and communication activity unless you notify me this debt has been zeroed out and reported paid as agreed to all credit reporting agencies and the company is no longer collecting on the alleged debt
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| 03/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Team leader XXXX XXXX at GMFinancial ( ph XXXX fx XXXX email XXXX ) Sent me a email on XX/XX/18 informing me that they see my auto loan is delinquent and informed me of the loan will be charged-off and vehicle repossessed, so I need to call to workout the loan. I emailed back and informed that I will call her the next day and what is the best time to call. So, today I get a text from my mother ( who is not a authorized party and her number has never been a contact number of mine ) stating that a person from XXXX XXXX phone number called and told her that my loan is past due and they will be repossessing my vehicle. I then called XXXX on the phone who was very rude and asked her why did she release my information and she tried to pass me to another person. Her actions really upset me and this turned into a bad conversation. I asked her a few times why she emailed me to work it out and calling my family but won't talk to me about it. She replied " she is a manger and don't talk to customers '' Then she ask where to pick up the car and she isn't going to help any further then she hung up the phone. Then 30 mins later my fiance 's mother who lives in XXXX, Co. ( my mother lives in Georgia ) called and told my fiance that XXXX from GMfinanical called and told her that I am over 100 days past due and they are repossessing my car and to call XXXX at XXXX. I called XXXX back and asked her why is she calling people and releasing my information after you just spoke with me and that is against the law. Then she said " please hold '' and never came back tot the line. I called back over 12 times and she didn't answer. Overall, they are calling 3rd parties that are not authorized and releasing my information without my permission.
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| 10/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Older American, Servicemember |
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On XX/XX/21 We turned in our old leased vehicle XXXX XXXX in XXXX PA.
We decided to take out a new lease on a new vehicle that day at this dealership.
When we went in to sign the loan papers we stated that they had the names in the wrong place. My husband was to be the Lessee & I the Co-lessee. They said no this was the correct way. I as the Lessee & he as the co-lessee. So everything went through. We left with the new vehicle. 1 week later I received a call from GM Finance They stated that they still had us listed on the old vehicle and that the payment was due for that car. I told them we turned it in. They said I had to call the dealer and tell them to do a close end on the old vehicle. That they had no record of a new lease. So I did just that. I talked to an appraiser there who said he would get the sales mgr. involved. I talked to the sales mgr who said he would take care of it and call me mon.
with my new account number. No call. To make a long story short I have been on the phone with GM Financial XXXX & XXXX for 3 weeks trying to get this solved. The only thing that happened was we got NEW loan papers that had been corrected with names and totals to sign. This involved GM Financial running a new credit report on XX/XX/21 for the new loan papers. that XXXX submitted to them. This affected our credit score. Also we are in the process of refinancing our house. Now the loan Co. wants to know why we took on new debt as of XX/XX/21. We didn't, it was before we refinanced. I am at my wits end. Gm still has the old vehicle listed even though we turned it in a month ago. Every time I talk to someone either at the Dealer or Gm they say they will take care of it. So here we are still a month later.and still not resolved.
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| 04/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I was originally requested by my former partner, XXXX XXXX, to be a co-sign for a loan on a used XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I never went to the dealership, the deal was made between XXXX XXXX and the salesman, XXXX XXXX ( still employed there ). XXXX XXXX knew the truck was for XXXX XXXX and I was, in no way, going to be in possession or driving the vehicle. Mid-way through their dealings, I received a phone call, requesting my ID information for credit check and told it would be " better '' if the truck were in my name, solely. I advised I was requested to be a cosign on the loan, and that was my intention. A few hours later, XXXX XXXX and XXXX XXXX returned to my home ( in a different county ) with purchase paperwork, asking for my signature on all documents. XXXX XXXX was already in possession of the vehicle. The sale was complete as vehicle sale to me, solely. The financing was completed through GM Financial, and represented as a purchase by me and that the vehicle would be in my possession. XXXX XXXX had been making the payments on the truck up until about 30 days ago He has since refused to continue making payments. He is also blocking my attempts to recover the vehicle. However, as I have researched avenues to address this matter, it has been brought to my attention that this was a " straw purchase ''. The sale was fraudulently made by the dealership, knowing I was not to be the owner or driver of the vehicle. It was further misrepresented to GM Financial, who did not do their due diligence, either. Last, but not least, the sale was completed off-site from the dealership, at my residence, which was in a different county than the dealership was located.
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| 12/19/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been CORRECT & VERIFIED?. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Im really worried that some of the information on my credit report on this account may be reported inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting.
It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on?
Id like to see the following documents so that I can compare them to the information on my credit report. I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note
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| 01/27/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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XXXX/XXXX/XXXX GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE GMFINANCIAL XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear GMFINANCIAL, I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings.
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Furthermore If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Sincerely, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 12/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that GM Financial has not rebutted the Affidavit I have sent them. I have already filed a CFPB complaint they responded with documents that only support my claim. The four essentials of a lawful binding contract is 1. full disclosure - I was not told that I was actually creating the credit with my wet ink signature. 2. equal consideration - gm financial brought nothing of value to the table and so they had nothing to lose. 3. lawful terms and conditions - the conditions of the contract with gm financial were based on fraud. 4 the wet ink signature of both parties. The loan form does not constitute a contract as it is only signed by one of the parties which is myself. They have failed to produce a contract that is signed by both parties. a loan agreement is a contract and so there has to be full disclosure and there was not. both parties have to put up something of equal value which didn't happen. pursuant to 15 usc 1635f I have exercised my right to rescind within the 3 year time period that bureau allows. Federal law overrides any opinion of any representative of gm financial or state law. They are accusing me of a debt relief scheme but I am a federally protected consumer exercising my rights.
GM Financial should have rebutted the Affidavit. They are making up stories and trying to avoid the facts and federal law. Gm Financial is in violation of 18 USC 242, 18 USC 241, 15 USC 1692g, 15 USC 1635, 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1602 ( p ), 15 usc 1692e ( 11 ). 15 usc 6802 ( b ), 15 usc 1692d ( 5 ), 15 usc 1692b ( 2 ), I have uploaded all the paper showing proof of what i am saying today.
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| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I am trying to get an issue resolved with GM Financial and have disputed it through XXXX and GM but am having difficulty.
I had bought my car at lease end on XX/XX/2020 and paid off the up to date payoff balance and the dealership sent the disposition fee. On XX/XX/XXXX, GM financial received and paid an excise tax on the car but when they sent me the bill in XXXX, it was labeled as a disposition fee, which I knew was paid. I called GM and was told the disposition fee was never paid. I contacted the dealership and they sent out a copy of the canceled check. I was not notified by GM again, and in XXXX I noticed a XXXX point drop on my credit file due to a past due payment to GM Financial. I called XXXX and was told that it was the disposition fee, ( not an excise fee ) that was late. I explained that the dealership paid it and would contact them again, I was told once proof of payment was made they would correct my credit file. I contacted the dealership, XXXX XXXX again and they sent the cancelled check again on XX/XX/XXXX, this time cc'ing me on it. On XX/XX/XXXX I checked and nothing was done by GM, so I called and this time was told it wasn't a disposition fee, but an excise tax and they would correct my credit file as it was late. I asked how can I be late on something I had no idea of and even the documentation provided by GM was incorrect. I paid the balance of XXXX rather than have it continue to be late though I have my doubts on the validity of the charge as I received another excise tax bill. I really want GM to let the credit bureau know that I wasn't late, I wasn't given correct or timely information and I had an exceptional credit score until this happened and delingencies follow for 7 years..
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| 09/10/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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To whom it may concern, Following on from a number of issues with GM Financial and continued deception in the collection of an outstanding balance of {$4600.00} On XXXX separate occasions they have attempted to collect incorrect amounts as follows.
1. On the XXXX of XXXX, XXXX and XXXX they requested {$1000.00} with 12 payments of this amount showing as owing in their system.
2. In XXXX they requested {$60.00} and showed XXXX payments of {$380.00} owing from the month of XXXX.
3. In XXXX they requested a payments of {$330.00} being past due and an amount of {$1900.00} owing on the XXXX ( Exhibit A attached ) I have received excessive phone calls up to twice a day everyday for weeks and left messages on a daily basis requesting payment when the account was in good standing so therefore GM Financial is attempting to collect a debt which were at the time not outstanding I have spent hours on the phone to get this corrected and they have now come up with a figure of {$180.00} of which I have already scheduled the first payment.
I continue to make every effort to resolve this and GM Financial continues to request the incorrect amount. I have no issues with the correct payment of the amount however given their multiple attempts to collect more than what is owed I would like the account to be removed from my credit file.
I have discussed the matter with XXXX a " Consumer Complaints Specialist '' at the GM Financial corporate office and have been unable to get a satisfactory response to multiple emails sent requesting the account be deleted.
I feel GM Financial are in breach using unethical methods to collect incorrect amounts which has led to false and misleading statements and incorrect credit reporting.
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| 12/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I am currently leasing a XXXX XXXX through GM Financial and I am wanting to trade the vehicle in for another brand ( XXXX ). The salesperson at the XXXX XXXX XXXX dealership advised that I should be able to trade my vehicle to another non-GM dealership provided that the dealership is accepting of the purchase, which they are ( XXXX XXXX XXXX XXXX ). When the XXXX dealership contact GM financial to obtain a payoff/purchase price of the XXXX, they. XXXX, were advised that their dealership could not purchase my XXXX, and that I would have to sell it directly to a XXXX XXXX if I wanted trade the vehicle in. If I were to do this, then the purchase agreement with XXXX would increase by approx. {$3000.00}, which I feel is unfair and would harm me financially. Additionally, I've read through my GM Lease contract, and even reviewed it with XXXX from GM financial, who referred me to line item 23e in the agreement and advised that although it does not specifically state that I can not trade my vehicle in to a non-GM dealership, they are requiring it due to the pandemic and to ensure that Gm dealerships get to benefit from acquiring GM products instead of non-GM. The contract terms in item 23e only indicate that if I wanted to purchase the vehicle outright it would be from a dealership designated by GM. There is no language for the situation of trade ins. Again, the XXXX dealership that I leased the vehicle through is also contradicting what GM Financial is telling me. I believe that this practice, since it is not explicit in the contract terms, is unfair, deceptive, and harmful to me financially by causing me to spend an additional/excessive amount by not allowing me to trade my vehicle into another non-GM dealership.
|
| 08/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
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In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through Americredit Finance. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from Americredit, that provided me with information about my upcoming payment. A few minutes after the call ended, Americredit called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how Americredit knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- Americredit ( twice ), XXXX XXXX, XXXX XXXX, and XXXX. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
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| 08/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I've made my payments on-time since i started this new car loan.
My payment should be {$460.00} per month. I paid {$500.00} per month since my loan payments started and got a bill in the mail. The payments i made were applied to the payment plus prepaid part of the next payment.
I believed GM financial operated like XXXX XXXX ( XXXX XXXX ). Where if you make a payment plus additional the extra will go to principal to provide me with the reward of seeing my loan paid down sooner. As a XXXX XXXX i understand the need for paying bills on-time and paying extra to gain equity.
I called GM financial today and was told they can not accept monthly payments plus an additional principal payment at once.
I am required to make the payment first in a separate transaction and then make a XXXX payment in its own transaction. Of course with the monthly payment being made first. That's what i thought was happening.
I feel this is borderline financial fraud/harm. Thus creating a unofficial prepayment penalty and i'm very disappointed that GM would not reverse how they applied my payments. Asking for the payments I have made to be applied to the monthly payment due first with rest being applied to principal.
The phone rep confirmed their website or app is NOT equipped to give the XXXX any control how their payments are applied and i need to remember to call in essentially one day after maknig the monthly payment if i want to make an additional principal payment.
That's very dissatisfying to hear. I'm truly disappointed. This was my FIRST time doing business with GM financial. I had prior Auto loans with XXXX & XXXX XXXX in the last 15 years and NEVER experienced this when i made additional principal payment 's
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| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX XXXX : XXXX XXXX TRACKING NUMBER XXXX SENT VIA REGISTERED MAIL TO XXXX XXXX XXXX GM FINANCIAL TO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX DELIVERED VIA XXXX REGISTERED MAIL TO GM FINANCIAL FOR XXXX XXXX.
XX/XX/XXXX GM FINANCIAL REPOSESSED MY AUTO MOBILE. EVEN AFTER EXPLAINING I SENT IN MY PAYMENT THEY REFUSED TO RELEASE MY PERSONAL PROPERTY BACK.
XX/XX/XXXX XXXX XXXX. TRACKING NUMBER XXXX SENT PRIORITY MAIL XXXX TO XXXX XXXX XXXX GM FINANCIAL. WITH A PAYMENT FOR {$36000.00}.
XX/XX/XXXX XXXX XXXX DELIVERED VIA PRIORITY MAIL XXXX XXXX.
GM FINANCIALA C/O XXXX XXXX REFUSED TO RELEASE MY AUTOMOBILE. MY ACCOUNT HAS NOT BEEN CREDITED AND I CONTINUE TO RECEIVE CALLS FROM GM FINANCIAL.
ON OR AROUND XX/XX/XXXX I RECEIVED A LETTER GM FINANCIAL/ XXXX XXXX THRETENED TO SELL MY AUTO MOBILE IN A PRIVATE SELL ON OR AROUND XX/XX/XXXX.
XX/XX/XXXX, XXXX XXXX XXXX SENT PROOF OF PAYMENT TO XXXX XXXX CHIEF LEGAL XXXX FOR GM FINANCIAL XXXX GM FINANCIAL XXXX
DOMESTIC RETURN RECEIPT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX MAIL XXXX SENT PROOF OF PAYMENT REQUESING A STATEMENT OF MY ACCOUNT T0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX for GM FINANCIAL XXXX GM FINANCIAL TO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX DOMESTIC RETURN RECEIPT XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX SENT TO GM FINANCIAL c/o XXXX XXXX TO XXXX XXXX XXXX, XXXX TEXAS XXXX XXXX PAYMENT AND REQUESTING STATEMENT OF ACCONT, AND PROOF OF CLAIM.
Domestic return receipt number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I WAS FORCED TO MAKE ANOTHER PAYMENT OF {$3100.00} IN ORDER TO GAIN POSSESSION OF MY PERSONAL PROPERTY AND AUTOMOBILE THAT HAS BEEN PAID IN FULL AGAIN AS OF XX/XX/XXXX AND XX/XX/XXXX.
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| 02/09/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I had leased a XXXX XXXX XXXX from GM Finance. I returned the car at the end of the lease period XXXX XX/XX/XXXX ). I made ALL OF MY LEASE PAYMENTS ON TIME during the lease period. There was NO PAYMENT DUE when I turned in the car.
My GM Finance account, however, continues to remain open and I continue to get billed every month, even after the car has been returned and I no longer own the car. I verified with the dealership where I returned the car - they did send my car return paperwork to GM Finance. They even resent it in my presence.
Since I have not been paying these post-car-return " bills '' which are accruing for no reason, my account is now wrongly deemed DELINQUENT. If that was not bad enough, GM Finance has reported my account to the Credit Agencies as DELINQUENT!!
The above has negatively impacted my CREDIT SCORE and has affected my ability to get mortgage for a house I am in the market to purchase.
I have called GM Finance Customer Service NUMEROUS TIMES. Additionally, I have submitted complaints from the GM FINANCE Website and through Customer Service emails. I have also asked for help through GM FINANCE XXXX page.
The Customer Service Agents I talk to one the phone seem powerless to do anything and " we will forward your case to the right department '' is the stock answer. Emails to customer service and complains submitted from GM Financial website are not responded to at all.
After more than a month of trying to get my account closed, I have not been successful. The account is still open and I get warning letter from GM Finance Collections Department about supposedly " overdue '' bills.
I need GM Financial to close my account and take steps to fix my credit score urgently.
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| 09/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I am a XXXX citizen but my loan was through gm financial in the states, a 5 year term, no missed payments, no late payments. My car is paid off. When I call it says title released XX/XX/2019, I owe nothing. I was unaware of a policy that states I have to wait 15 to 30 days to sell my vehicle I paid for, for 5 years, this is unacceptable as a consumer, even more unacceptable as someone who sold their vehicle not knowing of this 15 to 30 day policy that is not written anywhere for anyone to see or none about. I now have a very angry car buyer who cant put the car in her name as the lien is still there due to the policy that is not written anywhere for anyone to know about. I have dealt with gmf via phone and also written complaint for the last two days being told they cant send me that policy as its an internal policy. Wait, what? So how is a consumer to know that you have to wait 15 to 30 days to sell a vehicle if its not stated anywhere? Written anywhere, not notified as such a policy? Its not a policy, if its not written! I have a my account through gmf and asked that they send me a letter stating I owe nothing and they release the vehicle. They wont do that, I have to adhere to their policy that isnt written anywhere or I wasnt aware of. I am here to protect future consumers from this company who dont end up like me, paying a car off, selling it and having one angry buyer as I wasnt aware of some internal policy. I was also told by XXXX ID number XXXX that they didnt have to tell me of this policy as its an internal policy. Please do something about this policy they have that is not written anywhere!!! Yes Im XXXX, but my loan was through an American institution, how that happened is beyond me!
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| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2022 I sent a letter stating that GM Financial furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I also, sent a notice to cease and desist all communication conveying of information regarding a debt directly or indirectly to any person through any medium.
Re : Notice to Cease and Desist Account Number : XXXX Dear GM FINANCIAL, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.
Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
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| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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GM Financial reported to credit agencies that I was late on my final payment of {$540.00} for lease account # XXXX.
I did not fail to make these payments. The DEALER failed to make these payments. Please see the attached default letter in which the sales manager at XXXX XXXX XXXX XXXX XXXX writes : Please recognize this default letter as an effort to correct or remove any delinquent information on account number : XXXX, Mr. XXXX XXXX.
Mr. XXXX grounded his lease in XXXX, fully understanding he would not be responsible for his last two payments in the amount of {$540.00}. He turned in his lease vehicle on the XXXX of XX/XX/2021.
I failed to process the necessary documents through our accounting department, which caused the delay in paying off the lease. Attached you will find a copy of the payoff check that has been sent to settle the account. Please contact me in the event there is additional information needed to correct this account.
My efforts to resolve this directly with GM Financial failed. Ten phone calls over a three-month period led me to an " accounts '' department that was reportedly obligated to respond to my written compliant within 30 days. They did not respond within 30 days. Therefore I am escalating my complaint with the CFPB.
When XXXX customers are in the process of leasing a new vehicle, the dealer and GM Financial present a united front. That united front should continue even when the dealer makes a mistake like this.
Because I assumed as much, my credit score dropped from " Very Good '' to " Fair ''. I feel penalized for having faith in GM Financial 's business processes. They need to make this right and rescind the information they provided to credit agencies.
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| 04/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, GM notifies me of technical difficulties in not reporting to bureaus from XX/XX/XXXX. They also stated that " None of GM Financial 's customers credit was negatively impacted. '' This is not true. My bureaus had not had any payments listed since XXXX, XXXX. I contacted GM on XX/XX/XXXX for an update & request a credit letter because I received a letter from my credit card company ( which was paid off ) stating that they are closing my account " since I don't pay my bills. '' Since GM was the only account I had open but not reported, I can only assume it was them. I was told my account was scheduled to be updated by the end of XX/XX/XXXX and that they would fax the credit letter over -- it never came. I called again 3 more times, spoke to supervisors, all to get the same answer. On XX/XX/XXXX, a fax arrived but with someone else 's information. This has been ongoing since. Of all the Bureaus, 2 show my account as " closed '' and 1 is " open '' and GM blames the bureaus. My credit rating has been severely impacted and still is to this day.
The issue is the comment GM has added to the account ; " Chapter XXXX Bankruptcy Dismissed ''. My car was not apart of the bankruptcy and if this information triggers the account to close. When it is removed the accounts is open again. This have been going on for almost a year and a half impacting my credit reports. I finally had to send an e-mail to the CEO of GM Financial with documentation showing that when the information was added to the comments the account became closed and once it was removed it opened again. This worked until they recently updated my bureaus and the remarks were added back in again. My scores look like a EKG reading.
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| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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My car was being repaired, the parts were on back order for months and I was paying month to month on an extended lease. I decided to end the lease and turn the car in. I contacted XXXX XXXX at La XXXX XXXX and tell him of the situation, he told me he would get the car from the La XXXX body shop, so I took the insurance check to the body shop and talked with the manager and told him of the situation. He told me that GM doesnt want the car until it has been repaired and he would contact GM and the dealer that I was ending the lease, so I gave him the keys and walked away thinking it was taken care of.
I received a call from GM financial in XXXX, asking about the XXXX XXXX that I turned in. I explained the whole situation to her, she said she would contact the body shop to clear it up. This happened in XXXX, XXXX and I think in XXXX, I asked the last caller if she can see the previous calls and she said she could, I then asked why this hasnt been taken care of? She told me she would.
Fast forward to last week when I was purchasing a XXXX XXXX XXXX and couldnt get a loan below XXXX % and was told by the finance manager that I have 4 flags on my credit rating from GM for non payment and most banks wouldnt touch my loan. Before this my credit number was XXXX or above. I called GM Financial and they told me it was my fault and that I should have contacted them, I explained to her about the body shop managers promise to contact them, after awhile she said they would open an investigation, also that I had to write a letter to them explaining everything and it could take 60 to 90 days to get an answer. I dont want to wait that long to fix something that should not have happened in the first place
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| 04/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I have a loan with GMA Financial. We got behind because we were fighting to adopt our foster son after he was abused and at risk of being returned to his abusers we had over {$50000.00} in legal fees. This Vehicle is our only vehicle my wife file bankruptcy and this is part of the bankruptcy. Our truck was repossessed on XX/XX/XXXX however law enforcement was not notified nor we were until XX/XX/XXXX with a letter stating our truck was going to be sold on XX/XX/XXXX. I am attaching my mail log from XX/XX/XXXX showing I just got the letter. - with 1 day to avoid the sell.
The police were called on XX/XX/XXXX and a police report was made due to the fact that law enforcement was not contacted about the repossession.. As of today XX/XX/XXXX the truck is still considered as stolen in the sheriffs database because again GMAC never contacted law enforcement. The police report case number is XXXX- We filed an insurance claim and this is on open investigation with our insurance- again because we thought our truck was stolen. We have also been in a rental - expected to be paid by our insurance company.
We had no idea our truck was repossessed. The local law enforcement was not notified of GMAC intent to seize the vehicle beforetherepossession. - resulting in police reports filed and insurance claims filed and us renting a car.
We got the attached letter dated XX/XX/XXXX - on XX/XX/XXXX giving us NO time to do anything. The le Please advise what we need to do to get our truck back and why the police we never notified about the repossession and why police were never notified, why is our vehicle still considered stolen and what about the insurance claim that has been made.
XXXX XXXX XXXX
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| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to reduce the rate of interest to six percent ( 6.0 % ) for the above referenced account.
I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time I incurred the above referenced debt. The SCRA establishes a six percent ( 6.0 % ) per annum ceiling on interest during the period of a servicemembers military service. This reduced rate became effective upon my entry to XXXX XXXX on Date, and shall be applied retroactively to date of entry to XXXX XXXX.
Under the SCRA, any interest in excess of 6.0 % per year shall be forgiven. Additionally, any payments shall be reduced by the amount of interest forgiven which is allocable to the period of such payment.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
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| 02/12/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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We are writing this letter to dispute a delinquent payment reported for XX/XX/2018 under our GM Financial account.
Our account was set up for autopay and we were unaware that the autopay had an expiration date.
According to customer service, the autopay ended XX/XX/2018 so our XX/XX/2018 payment was delinquent.
We use autopay for many accounts and the autopay is usually continuous for the life of the loan/account.
We explained to their customer service department that we didnt receive any notices that our autopay was going to be ending soon or that it needed to be renewed. They said that they dont provide these types of notifications because it is the customer who sets up the autopay.
We also explained to their customer service department that we never received any phone calls that we were past due on any payments. They explained that the collections department tried to contact one of the numbers on file and was told not to call that number again. On further review of the loan application, it appears they reached out to my husbands HR department at work which he placed on the lease application to verify employment. They said that eventhough they didnt try to reach out to our cellphones, they are not required to even call us. The call they made to my husbands HR department was just a courtesy call.
We would like to file a complaint against GM Financial as we do not feel GM Financial notified us appropriately before reporting a delinquency to the credit agencies. We feel that GM Financial should have either notified us that our autopay would be ending soon or that the autopay had ended. We also feel that GM financial should have called our cellphones not our HR department to reach us.
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| 11/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I turned in my lease for my XXXX XXXX XXXX with GM financial on XX/XX/XXXX. On XX/XX/XXXX, I called GM financial to inquire when I would be receiving final amount due on the lease. They informed me that the payment had yet to be determined but I would be receiving a letter in the mail when it was finalized. On XX/XX/XXXX, I called in again to ask the status of the final amount due and was told that a letter had been sent to my previous address with a due date of XX/XX/XXXX. I asked for and was granted a 30 day extension from the XXXX to allow time for me to receive a new bill and to respond. On XX/XX/XXXX I received an electronic copy of the bill. I mailed a check with the full amount of {$2200.00} on XX/XX/XXXX. GM financial processed the check and the money was debited from my account on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my credit monitoring service that the account had been reported as 30 days delinquent. A couple days later, the delinquent account status was replaced by a late payment derogatory mark.
I have been corresponding with GM financial throughout the process. Their processes are slow and ineffective. On XX/XX/XXXX, they claimed a 30-45 day turnaround time to remove the mark. They promised a letter would be issued within 5-7 business days to allow me to show potential creditors that they were correcting an inaccurate report on my credit. As of this writing on XX/XX/XXXX, they have not yet done this. After yet another phone call, they are asking for another 5-6 business days to send out the letter. Meanwhile, my credit score has dropped 84 points from XXXX to XXXX. I no longer qualify for top tier automotive lending solely because of GMs incompetence.
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| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called Gm Financial to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the third party company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that GM Financial had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report.
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX
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| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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In XXXX my car that was financed through GM Financial was repossessed while I was XXXX. Due to me being out of the country there were several personal items and a cashiers check ( rent payment ) left in the car for a friend to retrieve. I NEVER received any of these items ( illegal in VA ). I also NEVER received any documentation regarding the sale of the vehicle ( illegal in VA ) or the amount owed. After returning from XXXX I tried reporting the car stolen but was notified by local police that the car was taken by GM Financial.
I have tried disputing this account on several occasions for several different reason because the company is reporting different information to all of the credit bureaus. My XXXX was updated ( XX/XX/XXXX ) that the high balance on the account is XXXX. The last activity for XXXX is showing XX/XX/XXXX. My XXXX was updated on ( XX/XX/XXXX ) with 54 charge-offs reported and a high balance of XXXX that was charged off. The past due balance shows {$7200.00} and the last activity shows XX/XX/XXXX. The account was deleted from my XXXX account in XXXX. I am attaching screenshots that GM Financial is blatantly reporting inaccurate information to the credit bureaus which is ILLEGAL. Their actions have caused my score to drop 15 points and has put my mortgage approval in jeopardy. I have already filed a complaint on XXXX because the information clearly was not properly verified.
I am requesting that GM Financial expeditiously remove this inaccurate information from my credit reports IMMEDIATELY. I am XXXX XXXX XXXX and clearance requires that I accurately report any debt or delinquencies. This information changes so much which makes this requirement impossible.
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| 02/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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GM Financial has incorrectly sent late payment information to the credit reporting agencies.
This was a new vehicle purchase. There was some sort of problem with the account setup and then this reflected in their website.
I was getting confusing information from their website - that my account had been cancelled, then access was locked and i couldn't get back in, then couldn't the new account. Then, when I tried to apply payment on several occasions, the system would not accept the payment.
Then I called the service center to make a payment and the clerk took my payment information and I thought the matter was settled.
However, a few days later, GM Financial called me to say that they had no information about the payment and I was late. I gave them the payment information again. The lady was very rude and said that there was no record of my previous call and that " no one else is having trouble with making payments on the online system ''. Really? I find that hard to believe.
After spending an hour on the phone with an agent this week, I was able to get access to my account and will hopefully be able to make payments online. I am up to date on my account and the GM Financial System says I am current and next payment is due XX/XX/XXXX. However, you can not see payments made by calling the call center on their online system.
If not for the process, system and coordination snafus at GM Financial, the payment would have been on time.
There has been snafu after snafu dealing with GM Financial. And, they have a message saying there is a new system coming on XX/XX/XXXX. I am fearful this will not go well and I will not be able to apply my payment online. Hopefully this works.
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| 07/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Just after I got an auto loan with GM Financial in XX/XX/2018, I had two unexpected life events. The first one was the sickness and later dead of my father, unfortunately he was diagnosticated with XXXX XXXX in XX/XX/2018, his sickness impacted my household income, I didnt expected a situation where my full income went straight to my family basics needs when I applied for the loan.
To make everything worse I was impacted by the destructive wildfires across all California in 2018, I was impacted because the wildfires prevent me to access to my workplace and continue working. It was a time that my work was completely stopped by weeks, at some point inconsistent. As result of the wildfires my income was reduced for less than the half, but it was a disaster out of my control.
With my father in the hospital I was paying all the basic life bills and expenses as food, electricity, rent, etc. with a reduced income. With the time my father passed away, but then I had to get enough money to pay a funeral.
From someway or other I made my vehicle payments, but not in the right time due to those catastrophic events ( My father sickness and later dead and the 2018 wildfires season in California ) out of my control, Life happens. As results of all these my credit history was destroyed, I called GM Financial to ask for a relief or forgiveness with the late payments in my credit history, but they were unable work on it, even when the 2018 Wildfires in California were National Emergency. I am not asking for a forgiveness in money, I am just asking to delete or remove the late payments in my credit history, the creditor should provide a relief due to Catastrophic and National Emergencies like this.
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| 06/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Servicemember |
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On Friday, XX/XX/2019, at or about XXXX, an agent of GM Financial proceeded to trespass on my private property. The vehicle was a XXXX XXXX XXXX with license plate number XXXX. A XXXX XXXX, mid early XXXX and with XXXX XXXX was seen on the property within the XXXX XXXX taking photographs and surveilling the property.
The residence is equipped with security cameras and monitoring equipment that can place this man and vehicle on my property without permission. Photographic evidence is attached hereto for review.
At or about XXXX on the night in question, the Connecticut State police were called regarding the incident to observe and report the facts. The police were given photographic evidence of the trespassing vehicle and a description the driver.
Vehicle finance companies and their agents are strictly forbidden by state and federal laws from breaching the peace in the performance of debt collection efforts.
Additionally, under Connecticut General Statute Sec. 29-152u and 29-153, any private detective, natural person or corporation, must be licensed by the state to perform this type of work, especially that which involves the location or recovery of property.
GM Financial DBA Americredit, and agents, engaged in private detective work, as defined by Connecticut law, without a valid license from the Commissioner to do so with the intent to threaten, harass, and intimidate a person for the sole purpose of collecting a debt. Vehicles with mounted cameras and surveillance equipment on private property is breaching the peace and creates an environment threatening and intimidating to the residents of the property, especially to the XXXX ( XXXX ) XXXX children who reside there.
|
| 12/07/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I turned in my lease to XXXX XXXX in XXXX OH. Vehicle was under milage and in excellent condition. I purchase another vehicle from this dealer. I received a letter from GM financial stating they received the vehicle from XXXX XXXX. I never had any other billing statements from GM financial.
On XX/XX/XXXX i received a notification from XXXX XXXX regarding a change to my credit. GM financial had put a late payment on the credit report. On XX/XX/XXXX I called GM financial and was told i had an outstanding termination bill for a Disposition Fee. I explained to XXXX Badge Number XXXX that there was a billing error and never received any notifications. I asked for her to remedy the situation by removing the mark. She declined. I still immediately paid the balance in full and felt very betrayed by General Motors whom I've purchase 8 brand new vehicles from.
I was told GM financial mails only 1 statement for end of lease. Even after the original due date GM financial made no attempts to contact me. After the lease i periodically checked the online payment portal and my balance was always XXXX Paid in full. XXXX told me end of lease charges are not linked to there own online payment site.
This charge was not a reoccurring installment loan. Being a 1 time bill GM financial did not act in good faith to collect. I don't believe 1 statement for a non installment load is correct under the Fair Credit Billing Act. GM Financial has since marked the account as closed to credit bureaus but has insisted the late payment stands. On my credit report prior to GM Financial i had 100 %, 248 month consecutive payment history. I am seeking removal of late payment do to " Billing Error ''
|
| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Unfair practice by GM Finanical. Please help!
I had a lease with them on a XXXX XXXX that was turned in on around XX/XX/XXXX. I also bought a new XXXX truck from the XXXX dealership. I was alerted by my mortgage company ( that I am trying to get a mortgage through ) that my credit score just dropped over 100 points due to GM Financial. I called GM Financial today XX/XX/XXXX and spent over 90 minutes getting transferred 4 times to different areas and sitting on hold over 15-20 minutes on each transfer. Only for them to tell me that they sent one ( only one letter ) letter about the additonal charges ( mileage overages, extra wear and tear ). Which I never received. How could you ruin my credit without alerting/billing me of the problem? They then said they called me numerous times on this debt. I then asked what phone # they called and they told me my old office number from my old home. Obviously, I never received a call. They proceeded to tell me it was my fault because I never updated my phone number.
First, I turned in my lease and bought a new XXXX from the dealership and gave them all my new information. Why would it ever even cross my mind to update the information ... when I turned in the leased truck in and gave them all my new information on the new truck?
I have no problem paying my bill, but need them to be fair and remove this from credit report. My mortgage agent said GM Financial has done this to many customers! This is not fair that they do this to good customers ... I have tried to resolve fairly! Need help with GM Financial, as this is not right that they can ruin my credit, without alerting me!
I can pay the bill ... Any help you can give is appreciated!
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| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and
willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
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| 08/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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GM Financial is a rip-off company. I got a deferment for my car loan through GM Financial and they forced me to pay XXXX and to give them my phone number when there is a cease communication on my account. I do not want GM FInancial calling me period, ever. They do not have permission to contact me of any references via telephone. They only can contact me in writing. They give me all these random stipulations in order for them to grant me a deferement. I spoke to XXXX who said he was the collections manager and he said that the only way that I could get the deferement is if I give him my license plate number. That has never been requested in order to process a deferment. I explained to GM Financial that I had came across hard times and loss a loved one and had to help come up with funeral expenses so I needed to defer my loan. They still forced me to pay XXXX in late fees and XXXX for a deferment fee. I feel that this is EXTREMELY unethical. I spoke to XXXX different reps today and they were so rude, incompetent and unprofessional. XXXX was going to process my payment over the phone but ALSO charge me XXXX extra dollars for a payment processing fee. This is not a good way to treat a valued customer. I would like to opt out of ALL advertising and any further communication from GM Financial. I do not want to be emailed only sent paper letters in writing regarding my account. They are a terrible company to do business with. I do not see how it is legal for them to MAKE UP rules and stipulations surrounding processing a deferment. I feel that it is ruthless ans dirty for them to make me pay fees that I really did not have behave as savages requesting private information from me.
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| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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To whom it XXXX concern, This dispute has to do with a past dispute with GM Financial. After receiving the information from GM Financial regarding an alledged debt of {$6100.00}, I reached out to GM Financial directly to discuss a settlement and then they notified me that my account was taken over by XXXX XXXX which I received any notice of this. Even the letter that was received through the XXXX with my last dispute with GM Financial did not state anything about selling the debt to a debt collector.
Also, as you can see attached is a copy of my credit report from my mortgage lender, and it shows that GM Financial is the one reporting on my credit, not XXXX XXXX. How am I able to settle a debt with a collection agency that is not even listed on my credit report? In this situation, I would have paid XXXX XXXX and GM Financial would still report to the credit bureaus, which is wrong. Also, the credit report is stating the debt is {$6100.00}, not {$6100.00}.
Lastly, as I stated in my last dispute, that XXXX and XXXX recognized this as a invalid debt and removed/deleted GM Financial XXXX my credit profiles so XXXX should do the same.
I believe that XXXX XXXX, GM Financial, and XXXX are violating a few different laws here. I just want the resolution of this GM Financial account to be rightfully deleted/removed from my XXXX credit profile so I can move forward and close on my house which the date is supposed to be XX/XX/26, but I can't move forward without removing/deleting this account from my XXXX credit profile. Please help me resolve this situation as soon as possible.
Thank you!
Best, XXXX XXXX Account Name : GM Financial Account Number : XXXX Amount : {$6100.00}
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| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations.
Sincerely XXXX XXXX
|
| 11/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On XX/XX/2016 I went in to XXXX XXXX XXXX in XXXX, Indiana. I went to look at lease end options, and was considering switching to a used XXXX XXXX. I was given an option to upgrade my lease, and get a XXXX XXXX with features I wanted for XXXX/m. I was told GM had a special they where running, and they would pay the last five payments. I was also told that the milage I was over would possibly be forgiven, and I would need to call and speak to GM Financial. I asked how soon I would be able to speak to them, and the sales agent said he would provide me the number. Then it turned into I would need to wait until I got the bill in the mail. I took the car home for the weekend while they figured out the financing. I then went back and signed everything thinking everything was fine, and had to go back again to the dealer a second time because they didn't do the deal right. A year later I received a bill for the lease I traded for the new lease. I reached out to the sales person and was told they sent payment. I reached to gm financial and they said they did not. I have been working with the dealer to try to correct, but have been unsuccessful and been given the run around. I also filed an official complaint with GM Financial, and was not even called back about the situation. Spoke to sales manager in XX/XX/XXXX no luck, and spoke to General Manger last month and no call back. Some where someone dropped the ball, and they are not wanting to take honorship. I feel there is something that needs to be addressed, and even requested a copy of the deal but was told it was too long ago to possibly find. This is reported to my credit report and has been affecting it for over a year.
|
| 11/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/2023 I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dealer License Number : XXXX I went into dealership to pick up my new vehicle and to trade in my other vehicle went through all the paperwork and numbers and it all looked good. come to find out later after looking at paperwork numbers were changed and moved around to give me a higher payment and in doing so, I also received a higher APR on my auto loan. After reading my loan paperwork and running the numbers I found that the dealership kept {$31000.00} of my {$54000.00} down payment as well as my {$1500.00} Deposit. That being said as you will find in my statement below the dealership has made multiple violations in consumer law and i am requesting that things be made right according to all UCC, USC and CFR codes that have been violated on behalf of me as a consumer.
As the law of Consumer Credit Transactions states, it is a direct violation of Consumer Law to form a contract without the Sum of all charges which is first violation in my loan as there are undefined charges as in the sum of all charge 's requirement was not met as well as the dealership keeping {$31000.00} in down payment for themselves and not placing on the overall down payment of the vehicle loan. With this being said there are multiple violations according to the Consumer laws in which I as a consumer am supposed to be protected against. That being said per violation of the consumer law I am requesting that I be reimburse the full amount of my down payment as well as {$1000.00} per violation and to keep property as well as my credit be fixed and all or any said delinquent marks be removed and noted.
|
| 10/22/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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On XX/XX/2019 I returned my lease to GM Financial Leasing. On XX/XX/2019 I received the first bill for excess wear and tear of {$1700.00}. I immediately contacted XXXX XXXX, I purchased a policy with them for excess wear and tear a the beginning of the lease. XXXX requested a lot of documentation that GM did not provide me with and when I would request documents they would transfer me back and forward from representative to representative. Finally when I was able to get a hold of someone that could help they would tell me that it would take 15-30 days for me to get the documents. I explained many times that I was working with XXXX to get the bill payed and they needed the information. On XX/XX/XXXX I called GM to request information that I had previously requested that I never received, the representative told me she would put my account on hold while all the information was being gathered. My understanding is that if my account on hold is that they wouldn't report it as a late payment knowing that GM is making it extremely difficult to close the process because they were not proving all the information I needed to submit to the insurance. GM Financial lease NEVER sent me other bills other than the one I received in XX/XX/XXXX nor did they send any correspondence saying the payment was late and action was going to be taken.
GM reported this as a late payment to my credit score. After many phone calls to GM and basically begging them to provide the information the claim was payed by XXXX in XX/XX/2019. GM financial records the phone conversations, they can go back and see how difficult they made this process and their customer service representatives lack of care
|
| 08/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am unsure if this is the right " reasoning '' but i feel as if GM is being a bit unfair with me. I have had two individual GM Financial accounts for {$70000.00} a piece in the last couple of years. Even though I fell into hard times and had to pay late, I never complained. It was my fault. In XXXX of XXXX, I contracted the XXXX XXXX, and it was as bad as they say. I was XXXX XXXX for a week and XXXX for 2 more. I was not able to work and therefore was not able to bring home a paycheck and I was late on my payment in XXXX of XXXX. I was last late before that in XXXX of XXXX. That was my fault and I expect nothing for that. In XXXX though, I was very ill, and I paid late because of that, and I paid off my loan that month as well to make sure you got all of yours.
They said " they are required to report accurate information to the credit bureau '' in the auto response they sent me after i sent TWO letters begging them for help. I know this is true, but not entirely. GM has forgiven late payments in the past. I was able to speak to people, look it up online, and find confirmation of this. I am not sure if they call it forgiving a late payment or if they just recall their " reporting " for that month, but either way, i know they can help me here as they have helped others. All I got was an auto resposne. Seeing as how i have done so much business with them in the past, and could possibly do some in the future, i do not think this is out of line at all. I would like ONE MONTH, either not reported or modified, that is all, and i know they can do it. The month i would like looked at is XXXX of XXXX. I will attach the two letters i sent and what they sent back to me.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " XXXX XXXX '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - XXXX XXXX XXXX and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your XXXX to help us.
|
| 02/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I returned a XXXX XXXX to GM Financial in XX/XX/2019.
At the end of the lease, in order to ensure that everything was properly terminated, I called GM Financial personally, and spoke with an agent who informed me that everything was paid up and the account would be closed.
She made no mentioned whatsoever about any post lease charges or fees, and not being an expert in the details of car leases and terminations, I took her word for it.
Without my knowledge, there was a charge that did pop up after the lease was terminated, even though the agent gave the impression we were settled.
The company claims to have sent a letter in XX/XX/2019 and to have attempted to call, though I received no such letters or calls. The number they had on file was incorrect and I get so many letters from them, it's very hard to keep up with which are important and which aren't.
Today, I discovered on my own, that this charge was outstanding. When I called, I spoke with a man named XXXX # XXXX. He was unhelpful, and hid behind technicalities of lease termination, of which I know nothing about, when defending the behavior of his company. He did admit that no letters were sent since XX/XX/2019. And all the while, they have been accepting a lease payment on another vehicle.
So - for over a year, I have had an outstanding balance and all the while they have made little to no effort to get in touch with me and have accepted my payments on another vehicle.
The moment I was made aware of this outstanding balance, I immediately paid it off.
I would like all negative comments or marks on my credit reports related to this incident to be completely removed and expunged.
Thank you.
|
| 01/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
|
I have recently paid off a GM financial lease and purchased at new lease through GM.
during my almost 3 yr year lease with Gm. I never had a late payment and have never had a late payment on my new current lease.
When I purchased my new lease Gm sent me a bill to pay my last few payment left on my old lease, on my old lease my auto payments were stopped with out my knowledge and my online bill payment account was terminated. Once I received the bill I realized they had terminated my auto pay with out telling me. at that time I called Gm to make a payment to the remaining balance. they took my bank acct info and told me they would pull 4 payments out of acct.each mth. I agreed and hung up. a few mths later I received a late notice On my credit. When I contacted GM they stated they never told me they would auto bill pay each mth and said I was told to call back every mth to make a payment. this is not true and they never told me to call back each mth. they told me the payment would be taken out each mth.. they had no right to cancel my original online payments and then proceed to collect my bank acct. info to deduct payments and then not deduct the payment. when I contacted gm several times I was given the run around after receiving the 30 day late notice. They are stating the the 30 day late was not there error and they will not remove. I asked them for the recording off my originally acct and they stated they would look into it. then I called back and they stated they only keep recordings for 30 days. they also told me I can make payments online and then the next customer rep stated no ability to make payments online. I have now paid the acct off in full.
|
| 02/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
GM Financial ( Americredit ) approved me for an auto loan through a dealership and I traded in my other vehicle, signed and drove home with my new ( used ) vehicle. Before signing all the paperwork, they had me submit drivers license, property bill, insurance, last 2 paystubs. About 2 days after buying the new vehicle, I started getting harassing phone calls from a number in Arizona, telling me they were trying to contact my company and verify employment. This feels like it was not an issue for me, so I simply told them to call the number for our HR that is on the paystub and they can verify like everyone else. They didn't like that it's during COVID and that nobody is in the offices, so they continued to harass me with other requests, including asking for company private information that could end up with my termination for disclosing " private '' information. They then claimed that they reached someone in HR, but the person who verifies employment isn't in the office and they don't know when they'd be back. Instead of waiting, or taking my paystubs and tax records as proof of employment, they demanded 2 new paystubs and 3 months of bank records that showed the deposits coming in. Once I provided those, that was no longer " good enough '' for them and now they are insisting on a conference call with XXXX XXXX ( waisting even more of my time ) to verify the deposits were actually made? This seems incredibly strange since it's almost impossible to fake something like this, but also since I've already been approved and finalized all my paperwork. I don't know of a solution, but this is like nothing I have ever seen, heard of or experienced in my entire life.
|
| 03/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
|
| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Since 2015, I've had two 3-year leases with GM for two XXXX XXXX XXXX . Never during those 6 years did I miss a lease payment. At the end of the second lease, due to the Covid-19 Pandemic, XXXX had no inventory with which to replace my current vehicle. Because of that supply issue, I was required to extend the 3-year lease for an additional 3 months. At this point, I didn't realized that GM Financial wasn't going to continue to pull my lease payment from my XXXX XXXX checking account - ( via an auto-pay payment I had set up and used for the previous 6 years ).
GM Financial isn't willing to take any of these unusual circumstances into consideration, replying only that they had placed calls to me etc. At the end of the day, I may have missed those calls, and I will take responsibility for that miss. The issue here however is that after 6 years of on-time payments, my credit is being negatively effected by a missed payment at the end of a lease in which GM literally HAD NO CARS via Covid related supply chain issues. My mistaken assumption that auto-pay was going to continue after I was forced to extend an expired lease is now hurting my credit.
In a note ( attached ) from GM Financial, concerning the need to extend my lease via this lack of inventory, it notes at the bottom of the letter that I 'may ' have to make manual payments. I incorrectly assumed that given my long standing relationship with GM Financial, they would continue to pull my payments from my auto-pay, and that this wouldn't apply to my situation. I apologized for this miss, and just asked that we could remove the 30-day late given my perfect history with the company.
Thank you!
XXXX.
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Hello, In XXXX I got a new leased XXXX XXXX. The lease was for 3 years. During the course of this loan, I had XXXX issues with GM Financial 's auto payment system. Once in XX/XX/XXXX and once again in XX/XX/XXXX. When I realized it happened again, fearful my credit would be penalized, I paid off the remaining months of my payments early. When I returned the vehicle early, I was charged again with additional fees that were all paid on the date of return and the account was officially closed out by GM XX/XX/XXXX.
This all shown and recorded on XXXX.
The past few years my husband and I have been looking to purchase a home. We went to sign mortgage documentation XX/XX/XXXX, I noticed that it incorrectly showed an active loan with GM Financial. When I informed our lender, they let me know " There is a GM lease still showing up on your credit for {$1800.00}. '' This does not show up anywhere on my XXXX or XXXX report shown in XXXX. This is the first this has been brought to my attention and I believe this has been negatively impacting my credit the past 3-4 years now. I tried to resolve this issue with GM Financial and they seem next to impossible with communicating. I can not access my GM Financial account because I no longer have an account number which is required to login. After further investigation, I saw I'm not alone and this has happened to other GM XXXX XXXX consumers who turned to the law for help. I'm not sure if this is the right avenue to turn, but I'm hoping to get this situation justified without having to pursue legal action. I feel they have violated the Fair Credit Reporting Act. Thank you for your assistance in helping to correct this.
|
| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
GM Financial reported a late payment for XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX was a tough year. Covid was spreading and I was sick at the time back to back they said they couldn't offer me any assistance due to me using all 4 payment extensions. I made the account 30 days late but then I was told by a representative that they were offering assistance and that they wouldn't report people late during covid as long as the account was not 60 days past due. I tried my very best as a single mother trying to survive during tough times and made the payment 1 day late which pushed me to 30 days being reported late. This is not fair. I even saw on the GM website they were helping customers during covid but they refused to help me.
XX/XX/XXXX was tough for me I was on XXXX XXXX and wasn't receiving my payments on time from state XXXX but I tried my very best to make sure I made my payments on time to avoid any future mistakes. My payment was due on XX/XX/XXXX. I made my payment on XX/XX/XXXX. Someone how my bank rejected the payment and I was not aware until the following 2 business days that the payment didn't go through so immediately made a payment on XX/XX/XXXX with ACI payments which is instantly instead of doing ACH for the amount of {$520.00} plus the {$5.00} fee so the payment would immediately be taken out to avoid any delays. I called the next day to speak to a representative and explained what happen and they said there was nothing they could do and that I could try disputing with the credit bureaus. I tried several times with no success. These late payments are drastically affecting and as long time GM customer the company would not help me.
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| 09/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX XXXX XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
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| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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This is an unbelievable story and its why as a consumer, it is paramount you have all the conditions of a loan and/or lease at time of signing the documents. To make a long story shorter when getting a lease car at XXXX XXXX XXXX XXXX, I was told to just get the lease started and then if I can find someone to co-sign at any point the lease terms would be much better because I had been the victim of identity theft and I'm still struggling to repair my credit score. Turns out that was a total lie by the salesman and also the manager XXXX.
They were both lying and drove off in a car I couldn't afford because I thought I was going to be able to have my XXXX co sign the next day, which would have changed the monthly payments from {$430.00} to {$250.00}. I had been to the dealer 4 times that week and I was tired and foolishly I believed them.
To make matters worse I had to leave my job because I was diagnosed with XXXX and had to start XXXX treatment at XXXX XXXX XXXX immediately. This really put me in a jam because going into this mess I was repairing my credit from identity theft and am up to date on my car lease now. Even though I made the lease agreement under false pretense 's I received a grant from a local XXXX foundation, and have paid my lease up to date.
Unfortunately, I have called GM probably 50 times, they wont change the terms of my lease, and they wont update my credit report to say I paid in full. Please help me, I need my credit to reflect the truth which is that I am on time. Please help ASAP, I am going for an apartment in a special XXXX center and they will run my credit and it needs to be perfect. Thank you and XXXX bless.
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| 08/17/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I mailed a letter dated XXXX/XXXX/16 to GM FINANCIAL requesting account verification/ validation for the account in dispute, documentary evidence of my indebtedness for all charges in which they claim I made late payments, documentary evidence of timely billing and timely posting of all payments from opening of account through the present whether or not they claim payment was late, court documentation verifying a repossession order was filed in any Indiana State court with regard to this account as GM FINANCIAL has reported this as a " Repossession '' on my credit record and also requested a notarized statement attesting to their compliance with all provisions of the Fair Credit Billing Act with respect to this account. To date, I have not received any information requested from this company with regard to this account. Return receipt shows " XXXX '' received my request by Certified mail. I have filed dispute with all XXXX major credit reporting agencies on at least three occasions previous to mailing a certified letter. I am awaiting removal of this negative account from my reports as GM FINANCIAL has failed to comply with the Fair Credit Billing and Fair Credit Reporting Acts in which they are obligated to do as required by law. I am asking for your assistance now since this has previously been disputed with GM FINANCIAL, XXXX, XXXX and XXXX and I 've failed to have the account removed as of the current date. I have never had an account with GM FINANCIAL in the past or present. I have never had a repossession of a court order of repossession nor have I received by mail a letter of repossession or by delivery of a court civil process server.
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| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Per FCRA laws, due to multiple reporting innacuraccies, I am requesting that this account be removed from my credit report. On XX/XX/XXXX, I received a response from GM Financial referencing a request by me to present a contract that has my signature of authorization. The contract was forwarded to me through the CFPB portal. When comparing the document that GM Financial has presented to the credit entry on my credit file, I have noticed multiple innacuraccies and incorrect reporting. Theys also stated in the letter that they are providing accurate information per FCRA which is contrary to the evidence. 1. The contract states that this account was established as an Installment contract which is false. This was a retail credit contract through a dealership. 2. This is not my signature, and there is no ID attached to this document to compare my signatures to. 3. The address on the contract was not mine and I've never lived there ; had GM Financial conducted any kind of real investigation they would've recognized this. 4. You reported to XXXX 16 late payments on this credit entry,, while you report to XXXX 17 late payments. ( XXXX reports no late on XX/XX/XXXX, yet XXXX reports as 30 days late in that same month of XX/XX/XXXX ). 5.You report a payment to XXXX for XX/XX/XXXX but report no payment for XX/XX/XXXX to XXXX This is inaccurate, incorrect and an a serious FCRA reporting violation. Also, GM financial has reported the terms or number of payments on this account to XXXX and XXXX as " 81 '' months, yet their contract states that the terms or number of payments is " 72 ''. I have factual based evidence that is attached to this complaint.
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| 04/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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- In XX/XX/XXXX I leased a XXXX vehicle and financed the lease with GM Financial - At that time auto-pay was set up for my $ XXXX/mo payment - I was also enrolled in paperless billing - Auto-payments were processed monthly, without issue, from XX/XX/XXXX through XX/XX/XXXX - In XX/XX/XXXX my payments stopped being processed - I never received a letter, email, text or any other written communication calling my attention to an overdue account - I continued to receive standard monthly emails informing me my monthly statement was available online -- none of which contained verbiage alerting me to an issue - While trying to buy a home, I realized my credit score dropped dramatically due to a late payment reported by GM Financial - I immediately paid my account in full and called GM Financial - GM Financial informed me that they had tried to call me - It turns out they did call ; however, they called from an unknown number and left a message that did not indicate who they were or where they were calling from. It only provided a phone number to call back.
- Given the lack of information, I perceived the calls to be dangerous/predatory and I never returned them - When I saw the credit score and called the customer service number, I was informed that GM Financial 's policy does not allow them to disclose the company 's name or the nature of the call on a voicemail - Despite my attempt to escalate, GM Financial refuses to remove the late payment remark from my credit reports - As a result, I no longer qualify for the home loan product that will allow me to purchase my family home.
- I still do not know why my auto-payments stopped being processed
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| 05/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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I filed bankruptcy in XXXX Chapter XXXX . It has since been discharged. General Motors c alled my lawyer and we arranged a day to pick up the XXXX as I surrendered it in the bankruptcy. They picked it up XXXX . My husband filed chapter XXXX who was also on the loan with me. 2 months later they called and demanded he pick up the vehicle at the towing lot that day. We called and asked why they said it was ours pick it up or it will be surrendered to the towing agency. Now on XXXX they send a towing company to my old address asking for me and demanding the vehicle. Then they come to our present address and speak to my husband and demand to only speak with me. He was talking to him through the screen door the repo man attempted to open my door to yell in the house for me. He would not speak to my husband who is the only responsible party for the vehicle as my chapter XXXX had been discharged. He told him that I would be responsible for the visit fees the repo fee and towing fees and that he needed to explain this to me before he would leave.he also stated that this would not go away it would be added to the total I owed GM after they found the vehicle and took that I was just racking up fees to pay. I know that after chapter XXXX I am not legally in no way responsible for this vehicle, I can not be billed for it and I ca n't be threatened with legal action and fees because I filed Chapter XXXX and it was discharged. This company harassed people at my old house harassed my husband and threatened me. XXXX broke the law. The repo man works for them and it is their responsibility to ensure they are doing the right thing.
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| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I started a lease with GM Financial. I put the lease payment on auto-pay so i can avoid late fees which is the reason for auto pay. It turned out it was only good for 6 months which is something i never heard before, and the representative i spoke with never mentioned that either. When the 6 months passed i was not reminded in any way that the auto pay is no longer there and my account was late for three months. I never got a single phone call from this financial company telling me that my account is past due and asking me why am i not making payments. My credit was perfect before i started the lease with this company and i had 100 % payment history ( i have 3 cars under my name and none of them ever gave me a single problem except for this one ). Also it shows different amount for the payment online and different amount on my paper bill. then i called them they didn't want to help me to remove the late payment that went on my score because of their system and told me it was my fault. i made the payments with the representative and then went and created a new auto-pay for another 6 months. Now I get another late payment on my credit score and my account is on auto-pay. So i do not know what the problem is with their system but because of them i have 4 late payments on my credit history which is bothering my business and my whole life because i get rejected from everywhere I apply. the amount is very little it is only {$140.00} dollars and some change ( which is really no problem for me to pay on time ) I have a lot bigger bills and I am always on time but because of their confusing system i have multiple late payments on my score.
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| 06/13/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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GM Financial is claiming that I was late with making payments and have not had any late payments in the past 20 years. I did not receive any statements from GM Financial in 2018 but consistently made payments by logging into the mobile app. I later learned that GM Financial made a mistake on my account and did not send my statement to my address ( XXXX XXXX XXXX, XXXX XXXX NY XXXX ) but instead sent them to XXXX XXXX XXXX, XXXX XXXX NY XXXX ). Upon learning of this information I grew worried that my personal information was sent to someone I didn't know and they told me the statements were returned as unable to deliver. I then asked how come no one from GM Financial reached out to me to correct or why their internal controls did not discover the entry mistake as my address is correct on all the lease documents and they did not respond. Furthermore, unbeknownst to me, GM Financial 's web page was in beta throughout 2018 and would present an amount due of {$0.00} and without a due date. I still made my payments because I knew I had too and have made every single payment. However, there must have been some timing issues in receiving these payments as they are stating I was 30 days late from XX/XX/2018 - XX/XX/2018. GM Financial did not acknowledge that they had any fault and would like an investigation into why there internal controls did not identify that my address was not correct ( especially since they received return mail ) and why I was placed onto a beta web page without my consent. I would like the late payments removed from my account and an inquire be made with GM Financial. Thank you for you consideration in the matter.
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| 10/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I turned my lease in XX/XX/XXXX. XXXX XXXX XXXX. On time no issues. I received a letter dated XX/XX/XXXX from GM Financial Leasing stating they accepted my lease return and I would be billed for end of lease fees within 45 days. I never received this bill. My credit report showed the account was closed. I thought the car sold and I owed no fees because I never received a bill. Fast forward to XXXX of XXXX ; 8 months later. I have a new lease with another company and I never heard from GM ... ... .until now. I received a bill dated XX/XX/XXXX, stating I owed the disposition fee of {$420.00} ( including taxes ). This amount was due XX/XX/XXXX. They bill me 8 months later and give me 15 days to pay. I called them 3x and emailed their ebox that the call center gave me fro complaints. No written response as requested. When I called each time they stated I owed the contractual fee and if I didn't pay I would be reported to the credit bureaus. They stated the bills were sent out late due to the car wasn't processed until XXXX. I'm assuming as an oversight and shouldn't be my problem.
*****Why is this my fault? The disposition fee is on the lease agreement to be billed at the end of the lease. I have a letter stating they would send a bill within 45 days. They did not. How do they get to bill me whenever they want? This is very deceptive. They made an error in timing and give me 15 days to pay? I paid today XX/XX/XXXX, because I have over an 800 FICO score and didn't need the headache of another fight. I want the leasing banks held accountable for their billing practices and should not be allowed to bill customers whenever they want.
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| 09/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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urned in my XX/XX/XXXX XXXX XXXX lease with GM financial in XX/XX/XXXX under the provisions of the SCRA. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact GM. Received multiple statements from GM claiming that we owed money on the remaining payments while I was deployed to the XXXX XXXX. GM financial told us multiple times to disregard the statements that our account would be fixed since it was turned in under SCRA. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under SCRA. After several attempts ( probably 20 or so ) contacting GM Financial and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XXXX XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates inXX/XX/XXXX despite GM telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX which returned with an affirmation from GM Financial that the information was correct.
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| 10/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I contacted GM Financial to extend my lease to get time to find financing. I was given a 2-mo extension and was told to call back as I can receive up to 6-mo ext of time. When I called back to extend the lease I was told that due to previous paying ( yes, I have been late due to divorce and COVID but my account was paid up to date when I made phone call ). I tried to purchase vehicle at a lower purchase price and was told that wasn't an option and that I was to return vehicle to dealership immediately. I wanted to purchase vehicle because the mileage was high. Since I was instructed to turn lease in, I went to XXXX XXXX XXXX and turned vehicle in. I was told by XXXX at XXXX that they would pay what was owed to GM Financial. Much to my dismay I was sent an XXXX invoice. I contacted GM Financial and told asked them why I was being charged this exorbant amount for vehicle. They informed me that I needed to contact XXXX XXXX XXXX for information. I contacted XXXX XXXX XXXX and requested amount paid to GM Financial for the lease. I spoke with XXXX and later another supervisor. Both informed me that the information was classified and that I was not privy to the information. I believe GM Financial is trying to get from me more than the vehicle is even worth. If they had sold the vehicle to me directly I wouldn't be in the upside down position i am in. GM Financial should not be allowed to SQUEEZE every XXXX out of its clients. In these times of COVID, I am requesting that this be looked into and I be released from the XXXX debt that was added to my credit report. This is robbery at its finest with no one to account for it.
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| 09/07/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I am being persecuted by GM Financial whom is attempting to collect an unlawful balance on a vehicle that was leased through them.
They are reporting a balance of {$24000.00} - This entire problem began with a faulty brand new vehicle that had been problematic since day one. I leased this vehicle on XX/XX/XXXX - and the vehicle shortly began to exhibit sudden deceleration problems that was ultimately found to be related to a faulty transmission. Luckily the vehicle was brand new and was covered bumper to bumper. After many repair attempts the vehicle would work for short periods of time and then go back to the same issue, until finally it caused an accident On XX/XX/XXXX. This rendered the car inoperable and had to be towed, mind you, this was during the first Major LOCKDOWN that rendered me unable to go to the toward to retrieve the vehicle, as I had no car and ride share services were not operating at the time. Contacting GM financial resulted in them opening up a claim and since they were the lien holders they agreed to go retrieve the car from the two yard.
This is were things get murky, as in the middle of covid lockdown I was informed that the car was sold, and I still don't understand who sold it or how things transpired. The car 's damage was not conducive to it being a total loss, GM Financial had stated they would go retrieve the car out of the tow yard, it was fully insured and still under manufacture warranty.
I completely refute and dispute this past due balance that GM Financial is reporting as a past due balance. They completely mishandled this situation and have no right to a deficiency balance.
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| 08/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I made a payment arrangement with GM Financial on XX/XX/2020 for my XXXX payment which was due on XX/XX/2020 and for my XXXX payment due XX/XX/2020, both to be paid on XX/XX/2020. I expressed during the XX/XX/XXXX arrangement that my payment tardiness was due to Covid-19 related issues. I gave them my checking account and routing information to secure payment arrangement. On XX/XX/XXXX and XXXX I received notices that my credit report had been updated and my credit score dropped 41 points because I'd been marked with a 30 day late on my credit reports. I called GM Financial to discuss the matter and asked them to remove the late payment because I believe I'm protected under the cares act that states : If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement.
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account.
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends.
GM Financial stated during the XX/XX/2020 phone conversation I initiated that it was up to their discretion as to how they report late to the credit reporting companies and that their specialists will not reverse the 30 late.
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| 08/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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In XX/XX/2018 My leased vehicle was totaled in a auto accident. My auto insurance company paid off their portion of the balance which left XXXX to be paid by GAP which is part of GM Financial who the lease was financed. I was told that all would be handled from the point of reporting to the insurance company and there was nothing further I would need to do. They would contact me once GAP was paid. In XX/XX/2018 I received a credit alert that I had a " missed/Delinquent '' payment on my credit bureau reports. Upon looking into the reports it showed that GM Financial was reporting me 60+ days past due on the lease. I immediately contacted GM Financial and was assured that they would get this corrected as they had many customers affected by a recent change of finance companies with their GAP department. I was told that an accurate report would be sent to the credit bureaus and it would take up to 45 days for the update. Long story short, I am still fighting with them to correct my Credit Bureau report. My credit score as a result has dropped from a XXXX to XXXX and I can not obtain any further credit. In fact, I have many current creditors closing my accounts, reducing my credit limits and increasing my interest rates as a result. This has been a unresolved issue since XX/XX/2018 and it is now the end of XXXX. GM Financial should be held responsible for my suffering and it is unjust that I, a good customer who has worked very hard to maintain a high credit rating to now be going through such turmoil with my credit. GM does not seem to be in any rush to follow through on their promises or obligations to their customers.
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| 08/06/2019 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was contact by way of a bill from the IRS stating that I owed approximately four thousand dollars. I Then contacted via a phone call to inform them that this must be a mistake, and was told that a 1099C form was filed by a company by the name AmeriCredit to which I have not heard of before, my research lead me to GM Financial, I then contacted them by phone to inquire about this account and made it clear that I was unaware of this account existence, I was then told by the GM rep I need to file a fraud report and wait for them to investigate, but never received the documents for their internal investigation. After waiting a month, I then sent my own letter to GM Financial/AmeriCredit, which was received on XX/XX/2019, XXXX XXXX Delivered, Front Desk/Reception/Mail Room XXXX XXXX, TX XXXX. In this letter I informed GM Financial that they had filed a 1099 C with the IRS in error and that they should contact the IRS to resend that the 1099C they filed or provide me with evidence that the information was not filed in error. As I explained to Gm in my written statement, I was on aware of this account and that the following documents, should be provided. A contract with my signature that created this transaction, and agreement made between myself and GM or any of its subsidiary to settle this alleged forgiven debt, payments history of the alleged account, and a copy of the 1099C form that was filed with the IRS.
I am reaching out to the Consumer Financial Protection Bureau because my request for these documents to prove to the IRS whos coming after me for this supposed forgiven debt has gone unanswered by GM financial.
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| 11/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose.
XXXX XXXX VEHICLE ACCOUNT DETAILS XXXX Account number XXXX Vehicle ID number XXXX XXXX, XXXX Account opened This vehicle was XXXX XX/XX/XXXX I'm writing because I was forced to turn-in my vehicle in XX/XX/XXXX because of unemployment due to medical issues that forced me to collect on XXXX. I attempted to refinance the vehicle which had a remaining balance of {$38000.00} with other creditors and with GMFinancial so that I could possibly make payments once my XXXX was approved. They denied the request. The vehicle was originally priced at {$52000.00} in XX/XX/XXXX when I purchased it and the payments were {$990.00}. I voluntarily turned the vehicle back in for repossession because I was ill, stressed, and unable to continue the payments. I requested a hardship discharge of the balance once the vehicle was sold with a balance of {$15000.00} still due. When I logged into the account, I read the statement : We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose. Therefore, I assumed that they approved the hardship discharge of the balance. However, they have now began reporting the account 35 negative delinquencies from XX/XX/XXXX - XXXX XX/XX/XXXX. How is it possible for them to report negative payments when they stated they were no longer collecting payments? They said I may make payments if I choose. I spoke with them last week and explained that I can't afford to pay the bill off. I'm on permanent XXXX and they said I was not required to make payments.
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| 03/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Servicemember |
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XX/XX/XXXX I refinanced my vehicle lease # XXXX that I had with GM Financial Leasing with my Credit Union XXXX XXXX, it took 3.5 months after the check cleared for GM to release the title to the Credit union, once the title cleared I was able to turn in the vehicle tag and had the vehicle tagged and registered in my name the tags ( whihc I paid the annual cost ) were taken and I was informed that any cost would reimbursed back to GM.
On XX/XX/XXXX I received a bill from the City of XXXX XXXX for XXXX property taxes owed in the amount of {$94.00} which was for XXXX-XXXX XXXX months of the tax year, I inquired prior to paying as to why I had bill as I paid GM for my property taxes ( {$560.00} - paid in XX/XX/XXXX ) and was informed that since they were no longer owner but that I was as it was no registered in my name that I had to pay the portion that the city had to reimburse back to GM for monies paid.
as of date and my call again today I have not received the funds back that the city paid GM as my account is paid in full. I have called 3 time,XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX each time being told that they can only e-mail the Property Department and await a response as to where the finds are and when they can be released.
At this point I do not how much even GM owes me as they also may have received a refund for the unused portion of my vehicle tags and registration, and seem to hold funds.
All I want to know is when those refunds from City Of XXXX XXXX and from State ( DMV ) for my unused registration are going to be released and how long they legally have to hold these funds before releasing
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| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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have a XXXX XXXX financed through GM Financial. We have a series of 30 day lates in XX/XX/XXXX stemming from Hurricane Harvey, but have made on-time payments from XX/XX/XXXX to present. Below is a history of my attempts to have information reported accurately, and their response : XX/XX/XXXX : I sent the CEO an email asking for deletion of reporting errors stemming from XX/XX/XXXX.
XX/XX/XXXX : CSR contacted me RE email and stated they reported late, and wouldnt change anything. I advised that practice was illegal per the FCRA, but he insisted it was their company policy.
XX/XX/XXXX : Initial call with GM Financial AVP Customer Experience named XXXX XX/XX/XXXX : XXXX stated she would send us a letter stating that our XXXX and XX/XX/XXXX payments were made on time. She would reach out to us next Tuesday XX/XX/XXXX : XXXX stated that said letter would have to come from legal.
XX/XX/XXXX : XXXX XXXX : XXXX stated on a call that she was unclear if the call was being recorded. She re-confirmed the following statement : No, you were not late for your XXXX or XX/XX/XXXX payment. I cant speak to why we wont send a letter stating that, but its the guidance our legal team has given us.
She went on to state, Your XX/XX/XXXX payment was late, and we reported it as a late payment for XX/XX/XXXX.
Additionally, XXXX gave us a non-working number when we asked for their corporate HQ and/or legal team direct line.
Because GM Financial has on multiple occasions admitting that their reporting practices are in violation of the FCRA act, I am requesting that ALL late payments on account be removed immediately.
|
| 06/29/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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Hello. I recently turned in a 2016 XXXX XXXX to the XXXX XXXX XXXX dealer in XXXX Florida after I completed my lease. I made my final payment in XXXX and on XX/XX/XXXX a day before my lease was due to be turned in I went into the dealership and the keys were given to one of the sales guys that sold a vehicle to us the weekend prior. He assured me that the keys were going to be turned into the person responsible for the lease returns. I get a call from GM Financial two weeks which is the finance company for the car on XX/XX/XXXX asking me where the car was. I told them that I had left the car at dealership as per contractual agreements. Apparently the dealership had not done their due diligence and did not do as they were supposed to. I received a letter from GM Financial this week stating that my car was repod and therefore it will get sold at auction and I'm going to be responsible for whatever fees and payments come about that. The car was repod from the dealership and I don't understand how this is any fault of mine. I find that unlawful as I turned over the lease as I was supposed to and the dealership should be responsible for any fees. They didn't even record the car the day that I turned it in. They're saying that they have XX/XX/XXXX as the date that I turned in the car. I should have nothing to do with that. I didn't receive any type of notification other than that call from GM Financial on XX/XX/XXXX that my car had not been turned in. The dealership is giving me the run around but GM Financial is stating that they will proceed with the steps to take after a car is repod. Do you have any advise for me?
|
| 05/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
|
|
Hi AMERICREDIT/GM FINANCIAL ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 12/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Here 's the complaint letter I sent the the dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX C/O XXXX XXXX XXXX This past XX/XX/XXXX my wife and I made a deal with your sales team on a new XXXX XXXX XXXX XXXX lease. Part of that deal was taking our XXXX XXXX as a lease return. Another part was putting down more than {$7000.00} to pay off the excess miles. At that time your XXXX dealership across the street inspected the XXXX XXXX XXXX and determined it didn't have any wear and tear above and beyond " normal ''. The deal was the down payment would cover the lease return and excess mileage and anything else involving the new XXXX XXXX lease. Much to the surprise of my wife and I was receiving a bill almost 5 months later ( XX/XX/XXXX ) from GM financial for {$2600.00} for excess miles and other than normal wear and tear. Once your, so I was told, " authorized '' XXXX dealership across the street made the inspection of both the miles and the condition of the XXXX and a contract was written up this should have been a done deal. Instead we now have a bill for almost {$3000.00} and GM threatening to ding our credit if this is not paid. Please investigate this matter further so I know how to proceed with legal, media, government or contacting watchdog groups. FYI ... GM has offered a settlement of {$920.00} but that needs to be done soon. A copy of the bill is attached to this email. Thank you.
XXXX..this is the supervisor at GM financial I spoke to and her ID number.
XXXX XXXX She refuses to send me a copy of the itemized bill for excess charges claiming sending it once is all they are legally allowed.
|
| 03/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
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It has come to my attention that GM Financial has denied myself and my husband credit. I, the NATURAL PERSON, creditor, and Applicant, am aware of the letter that was suppose to be sent to us which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) within 30 days after receipt of a completed application for credit, a creditor shall notify the applicant of its action on the application. We have never received any letters from GM Financial with an actual adverse action, we have only been told through the telephone and the dealership of their denial. Pursuant to 15 USC 1691 ( a ) ( 3 ) It shall be unlawful for any creditor to discriminate against any aspect of a credit transaction, because the applicant has in good faith exercised any right under this chapter. As the Original creditor, we initiated a consumer credit transaction, using my credit card ( SSN ) pursuant to 15 USC 1602 ( L ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit making GM Financial an assignee pursuant to 15 USC 1691 ( e ). However, we DID NOT receive any benefit from that transaction, but it had a negative impact on our consumer report, proving the transaction did in fact go through. Lastly, Congress states " No Credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642.
I have given several attempts to resolve this issue with GM Financial and they stated that the file had been sent back to the dealership for them to resubmit, however, nothing has been done.
|
| 01/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My lease was up in XX/XX/2021, so in XXXX I contacted my dealership/salesman to start looking for a new vehicle to lease. Well, I was told that due to supply and demand, there were no XXXX vehicles available that I was looking for. We looked outside the area I lived, and still nothing within a XXXX mile radius. My salesman said due to supply & demand and XXXX having to shut down due to COVID, there was nothing he could do for me. Apparently, it was so bad, people were calling and paying with their debit card over the phone and putting down-payments on a vehicle they had never seen, just to ensure they get something. Either way, I looked for months, and I was just being told the same thing. No vehicles, nothing in my price range, and even to get another XXXX ( which they also didn't have ) my payment would double due to the supply and demand of the SUV 's. {$600.00} a month for a XXXX, that I didn't love, was not feasible for me. The end result was ME paying off the loan in FULL and having to go to a different dealership/auto maker, due to no fault of my own. And now XXXX is trying to charge me {$420.00} as a 'disposition fee ' for not leasing another XXXX vehicle! Why should I have to pay this fee, when the reason I couldn't get a vehicle was due to their shutdown and COVID? This is not my problem, and it's already listed on my credit report. I called them direct and was told they don't waive this fee as a courtesy? This isn't a courtesy. If I chose to not lease through XXXX, this would be another story. I also filed a complaint with the XXXX which, they apparently felt they didn't need to respond to.
|
| 10/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
GM is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ).
Ive been a customer at GM finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in XXXX of this year it expired. Usually its supposed to last for the whole lease term. So GM gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at GM and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from GM and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.
|
| 10/15/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
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Web |
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I had a XX/XX/XXXX chevy XXXX. I leased this vehicle XX/XX/XXXX for XXXX miles a year for 39 months. During the period of time I had this car, I had at least XXXX recalls, as well as a blown transmission only XXXX miles into the lease. Needless to say I have been disappointed. At my 36 month mark I decided instead of bringing back in for ANOTHER recall issue, as well as additional transmission issues, that I would return my lease early and ask for my last XXXX payments to be waived. I called customer service at GM financial, and I was told they could not help me, and that I needed to call GM corporate. I called GM corporate and they said I had to call GM financial. Round and round we go. 6 hours over several days on the phone and no help. I finally get a " ticket '' and was told to bring the car to the dealership, they will do a diagnostic, and my payments will be waived. I returned this vehicle on XXXX after being told by GM that if I return the car, they will waive the remainder of the payments. Please note at time of return I only had XXXX miles on the car. WELL below my lease allowance. Well, I got a kick in the face on XXXX, GM financial removes {$460.00} from my bank account for this car that I no longer have. I tried calling again, only this time to be transferred numerous times and hung up on. I was also told that " there are no supervisors to speak to, they are in meetings ''. My fear now is that not only am I out the {$460.00}, but that they will continue to charge me for 2 more months for a defective car that I have returned. I want my money refunded, as well as any future payments waived.
|
| 04/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
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Web |
|
|
Yesterday XX/XX/22 I walked into XXXX car dealership ( XXXX, Nc ) for a consumer credit transaction. After choosing the vehicle for me and my family I extended my credit to said dealer and they ran my SSN ( creditcard ) First they approved me contingent upon a down payment. 15 usc 1605 states there should not be any cash involved. After I mentioned that, said company then tried bringing down to a cheaper car. I said I need to speak to the person whom ran my credit so that I may explain that I AM THE CONSUMER AND ORIGINAL CREDITOR PROTECTED BY FEDERAL LAW! They wouldnt allow me to speak with them.They said they only speak with dealer which is deceptive and misleading considering it is an account that I the original person and consumer originated when I extended my credit. I tried calling the number on the inquiry of my consumer report but number was out of service and also the name was different than the general manager gave me. This is deceptive and misleading. So now ( Ally financial ) denied me the loan for my families vehicle but has opened an installment loan or bank account ( per my consumer report ) and has acces to my open ended credit account with out my consent which according to the FCRA is IDENTITY THEFT. I am not seeking anything unusual I just want my consumer credit transaction 100 % financed with zero fed notes or XXXX down for my families vehicle. I tried submitting complaint to company 4 times and it didnt go through. IAM AWARE THAT I AM THE ORIGINAL PERSON, AM THE CONSUMER AND ORIGINAL CREDITOR AND I AM PROTECTED BY FEDERAL LAW. I will continue to pursue legal action if need be
|
| 11/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX from XXXX XXXX in Texas.
I added this new truck to my XXXX policy on XX/XX/2021 Confirmation # XXXX The agreed price and what came to sign are not the same. I have text messages, and emails going back and forth from the dealership stating that I did not agree with the prices.
I have different copies of contracts with different amounts and I am not getting anywhere with XXXX XXXX. I have been working with GM Financial as well to find out why there are different prices, amounts and terms.
This is now become a HUGE issues, as the truck as had major problems and was in the shop the first time 44 days. We got the truck back for 2 days when I realized there are more issues. The truck went back into the shop with major oil leaks. There is still issues with the truck. I am not able to make a decision about trading the truck off due to warranty issues, or lemon law based on the amount of pay off is not correct due to the contract.
There is one contract stating XX/XX/2021, another dated inXX/XX/XXXX and another set a documents that were sent to XXXX XXXX county in XX/XX/XXXX, XXXX all with different prices, down payments and credits.
I need to get this dealt with and remove the co-signer off my loan.
I will upload all documents and I am sending in an email to GM Financial at the email given to me as XXXX today in hopes they can help me.
They state that they will reach out to the dealership and go off by what the dealership shows. This lays the issue. I believe that the dealership has fraudulently changed the amounts, dates and terms.
|
| 05/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2019, I called GM Financial and spoke with a representative named XXXX, to discuss how to XXXX out my XX/XX/2019 bill. She put me on a brief hold to do some research on my bill. She also told me to pay {$570.00}, of which I immediately did. After I paid the amount in full of {$570.00}, with my visa debit card, XXXX then told me that I was fine until XX/XX/2019. On XX/XX/19 I received a bill for {$570.00}, although the car payment is {$460.00}. I then called GM financial and spoke with XXXX a servicing specialist and XXXX a supervisor regarding the issue. I asked if I could hear the recorded call from when I spoke to the representative XXXX on XX/XX/19 to verify the amount the representative quoted me of {$570.00}, in addition to her stating that my bill was paid in full to XXXX out my balance and I was fine until XX/XX/19, after paying the amount quoted. I was told by both representatives that calls could not be recorded in PA. I then asked about the notes the representative took during our call, and was informed that she did not take any notes regrading to the matter. XXXX, supervisor at GM Financial refused to further the investigation, although he finally took notes after I spoke with him with frustrated ; he also refused to speak with the representative XXXX regarding the matter, although I questioned about it. XXXX was very arrogant and stated that I was 17 days in rears of funds owed and refused to adjust the amount of {$100.00} which is claimed owed. I called to get my payments on track with GM Financial and XXXX out my account ; I feel deceived and violated as a customer
|
| 02/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/XXXX a vehicle that I purchased new in XXXX was towed by the City of XXXX XXXX, CA for parking tickets. My daughter was using the vehicle while in California, We live in North Carolina.
On XX/XX/XXXX GM Financial picked up the vehicle after being contacted by the towing company.
On XX/XX/XXXX ( Friday ) composed a letter that stated I had 10 days from the date of the notice to recover the vehicle or the vehicle would be sold in a private sale. This letter was post marked on Monday XX/XX/XXXX and I did not receive the letter until Friday XX/XX/XXXX effectively giving me less than one day to respond to the letter.
I contacted GM Financial on XX/XX/XXXX, prior to receiving the letter because I noticed the repossession on my credit report. Prior to this I had no contact with GM Financial by any means.
Since I initially spoke with an agent at GM Financial, I have been unable to contact anyone there via phone or messaging through their website regarding this matter.
Furthermore, We have never missed a single payment on the vehicle loan which is now five years. We have also never allowed insurance to lapse on the vehicle though the entire loan term to date.
A payment monthly payment was made on XX/XX/XXXX and was accepted by GM Financial but was not credited to my account and is still sowing past due along with another past due amount of {$350.00} for which I am unclear as to the nature of this past due amount since I have not received a statement for the month of XX/XX/XXXX, nor is it even available on their website when I log into my account dashboard.
Please Help!
Thank You!
|
| 07/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
|
To Whom It May Concern : First case CFPB # XXXX GM Financial Acct # XXXX On XX/XX/2018 I submitted a complaint to the Department of Agriculture regards my pay off amount disagree and discrepancies on payments and months to go, but GM financial did not response to Dept. of Agriculture or at least before I submitted the complaint to CFPB. After I submitted my complaint to Consumer Financial Protection, and received an email that GM Financial responded to the complaint and sent a letter to me which I just read it. I have not made the {$260.00} payment from XX/XX/XXXX, waiting for CFP response. Because I am not agreed with their response, I called again to CFP and spoke to an agent. Even with the deferred and overdue payments and the contract that I signed, this car is paid off. I already paid to this XXXX XXXX and if I add the {$260.00} for the month of XX/XX/XXXX the total amount will be {$18000.00} summarizing my payments with the statements I received from GMFinancial, with a margin of error. I paid this car double ( 2 cars payment in one ). Therefore, I think is not fair to continue making payments to this account. This is inhumane for me and for others who have been through the same or worse. I am going to send my last payment which was due on XX/XX/2018 according to their contract a car in the amount of {$6900.00} at an interest rate of 16.25 %, repaid in 72 months installments in the amount of {$260.00} per month, 72 months already passed and the total amount as you can see exorbitant.
Hopefully you can help me to solve this situation in a fair way.
Thank you so much XXXX XXXX XXXX
|
| 11/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
General Motors has been using an incentive called Down Payment Assistance for the majority of the year on multiple vehicles which forces the consumer to finance a loan with their finance company, GM Financial, if the customer wants to receive the incentive.
Down Payment Assistance is a 'cash on the hood ' type of incentive, where the customer will receive an extra {$1000.00} or {$2000.00} off the price of the vehicle if they finance a loan with GM Financial . If the customer decides to finance with a different lender then they will not receive the additional rebate.
The problem is that the interest rates charged by GM Financial are considerably higher than other lenders in the market. Customers are being forced to finance with them in order to receive the added discount on the selling price of the vehicle. This in turn causes the customers to pay potentially thousands of dollars in extra interest over the life of the loan.
Yes, a customer could refinance the loan with a different lender after receiving the Down Payment Assistance, but this would result in an extra credit inquiry which would lower their credit score, and there are other costs associated with refinancing loans.
Please make General Motors stop their Down Payment Assistance program which is causing consumers to pay much higher interest rates through GM Financial and further enriching the XXXX XXXX at our expense. If there was no Down Payment Assistance the car dealers would set the customer up in a loan from a different lender which has much lower interest rates, typically 1-4 % depending on the customer 's credit.
|
| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On Wednesday XX/XX/XXXX I was notified by my credit monitoring service that there was a change to my credit report. When I looked the message read, " you have one new 30 day late payment ''. I was puzzled because I work very hard to maintain a high score and payment history. After looking deeper into the report I noticed that GM FINANCIAL is the company reporting the late payment on the lease that I traded in to XXXX XXXX on XX/XX/XXXX. I have made every single payment on time and sometimes early. I called in to speak to GM FINANCIAL customer service on XX/XX/XXXX & XXXX to clear up this matter. I was told that there was a letter sent to my home but I never received a letter. When I spoke to the rep.I was met with hostility and sarcasm on the XXXX. On the XX/XX/XXXX I called back to see if someone else can help, I spoke to the rep named XXXX and then to a supervisor named XXXX # XXXX and I was stonewalled by them both. They told me and I quote " we called and received no answer and we didn't leave a message, but on the XXXX someone picked up and hung up the phone '' They called my wife 's phone but never called my phone and I am the primary contact information. They admitted to me that they only called her phone on that day. That sounds like predatory, unfair practices on there part. If the loan is under my name and they don't call me that is not fair and again, I did not receive a letter from them. If they wanted me to receive such an important letter why wouldn't they send it certified mail. I am disappointed and frustrated with the entire situation and am requesting your help.
|
| 09/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I leased a new ( XX/XX/XXXX ) XXXX XXXX XXXX in XX/XX/XXXX. At the time of the lease contract, I purchased an extended maintenance plan for 36 mos/36,000 miles at a cost of {$490.00}. I had been bringing my car to the same dealership for all maintenance ( which was, essentially, just standard items like oil changes and tire rotation ) for the past two years, without issue. I was informed in XX/XX/XXXX that the original dealership was no longer an authorized GMC dealer and that they had closed permanently ( no explanation why ) and that I should move my account to the next closest dealer. When I went for my regularly scheduled maintenance visit, I learned that the new GMC dealer I'd been assigned ( XXXX XXXX XXXX in XXXX XXXX, CA ) has no record of this maintenance agreement, despite my showing them a copy of the lease contract where it clearly states I'd paid for it and how many months/miles it covered. The contract says the maintenance agreement was with XXXX XXXX XXXX ( XXXX also happens to be the name of the financial institution that holds my lease - but they also offer extended warranties and maintenance plans ). I reached out to XXXX, and they have NO RECORD of my having a maintenance plan. Which leads me to believe the most likely scenario that the XXXX XXXX XXXX XXXX dealer pocketed my {$490.00} and never actually bought me the maintenance contract. This fraud may have something to do with why the dealership closed, I have no idea. But I know that I want to get what I paid for, or get my $ refunded since I should have until XX/XX/XXXX or XXXX miles, whichever comes first.
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear XXXX, XXXX and XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount : {$690.00} Party Owed : XXXX XXXX Amount : {$770.00} INQUIRIES XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I am disputing this claim due to : I had know knowledge of these accounts addresses or inquiries nor did I give permission for anyone to sign up with their company underneath my information I have also sent dispute letters as well as FTC report to the companies and credit bureaus listed above This is my official request to have the aforementioned item to be deleted off my credit report.
Enclosed may be additional evidence to support my claim.
|
| 01/08/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been given incorrect information numerous time about my auto loan with GM Financial. I was collected upon when a payment was not due yet. I was told the due date was changed from XX/XX/XXXX to XX/XX/XXXX. I continued to call to verify with their automated system, live agents, and their corporate complaint line and even social media complaint line. I was current on my loan as of XX/XX/XXXX. The due date was changed and verified to be due on XX/XX/XXXX. I am now getting emails from them stating my account is past due when it should not be. I have not been sent any paperwork I requested for a due date change in writing. My statements do not accurately reflect the pay history as they state a payment was returned when I show it is posted. These are the outgoing calls I have made include the following in regard to the complaint.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX call made at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I advised XXXX the social media complaint agent to call my cell phone today with no answer. I also called for a manager call back again and I am getting no service from this company. My complaint and my loan are not being serviced. I have been given conflicting and wrong information on nearly every call I placed. There is no consistency. I feel like I was lied to and strong armed into making a payment that wasn't due yet and when it was collected, I was told my due date would be changed based on being current and is not.
|
| 04/22/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I leased a new vehicle which was financed through GM Financial. My first payment was due XXXX/XXXX/XXXX.
I attempted to set up electronic transfer from my bank to GM, but GM financial was not set up to accept this payment method. So I had my bank issue a paper check with guaranteed payment to GM by XXXX/XXXX/XXXX. Payment was being sent from XXXX XXXX to XXXX XXXX.
On XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX I checked with GM to XXXX my payment had still not posted. I was going to stop payment but GM told me if my payment would present they would have to charge me a return fee. They suggested I make another payment direct with them. So to avoid any late fees or dings on my credit or the possibility my payment was lost on XXXX/XXXX/XXXX I made another payment.
On the XXXX/XXXX/XXXX statement it appears both payments posted. However the statement does n't reflect any posting dates for either transactions! I checked with my bank and the original payment sent on XXXX/XXXX/XXXX cleared my bank on XXXX/XXXX/XXXX. This was 18 days after it was sent to GM.
The fact that it takes over 10 days for GM to process a payment is unacceptable. In addition a statement that reflects no posting dates is also unacceptable. Having been XXXX for 43 years I know there are guidelines regarding these issues.
I wrote to GM via a survey they sent me on XXXX/XXXX/XXXX outlining these concerns. I did receive a prompt return message to contact them at XXXX. I tried call this number several times. It rings once then there is dead air.
Can you please look into the above issues. Thank you
|
| 03/14/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
Servicemember |
|
GM Financial has been reporting a late payment 30-59 days past due XX/XX/2016 since that time. I have contacted them over 20 times regarding this false late payment reporting. They have stated numerous times they have updated the credit bureaus however, to this day it is currently being reported on my credit report. I am in the process of buying a home and have asked them for a letter stating that I was not late XX/XX/2016 and have been told they ca n't provide a letter without proper authorization from their legal department. I have waited patiently and explained the situation and need for it to be rectified immediately. I have contacted them numerous times over the past two weeks without without compliance. I again contacted GM Financial today and was told by the representative that there was no one I could speak to and again to call back in 3-5 business days. I offered to send them a copy of the credit report as they are stating they did not report a late in XX/XX/2016 and the representative refused to provide info on where I could send the credit report showing the late reporting to. I would like a letter from GM Financial stating that I specifically was not late XX/XX/2016. To wait for credit reporting to be updated would not be beneficial as this late is the one thing holding myself and husband up from closing on a home loan. GM Financial have also reported to me that they have done this in the past however, the late is currently being reported as such. Thank you for your attention in this matter. You may reach me via email at XXXX and also via phone at XXXX.
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| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX
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| 07/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I called GM Financial on XX/XX/2020 because I had a bill for {$710.00}. They told me that I should receive my bill in the mail and gave me the website to look at the damages that I was being charged for. I returned the vehicle to XXXX XXXX in XXXX, NM. The manager that looked over my XXXX said that everything looked good and he didnt think I would be charged anything. I was shocked when I saw this bill. I took pictures of my XXXX and the damages and pictures that are on there were not on the vehicle when I turned it in. I sent an email to XXXX on XX/XX/2020 and attentioned it to XXXX. He was the gentleman helping me and gave me those instructions. I also included the pictures that I had taken. I paid the bill because it was due on XX/XX/2020 and didnt want it to affect my credit score. I havent heard back as of today XX/XX/2020. I was also unaware of the disposition fee of {$390.00}. The day I turned my vehicle in they gave me a remaining lease obligation that stated {$0.00} owed. As I said previously I turned my leased vehicle in on XX/XX/2020, the inspection wasnt done until XX/XX/2020. I dont know where the vehicle was kept or who drove it for the 26 days in between the inspection. I had absolutely no control over where or how it was kept and find it incredibly unfair that I am having to pay for damages that I did not do. I took care of the vehicle and did not turn it in the condition that those pictures show. I attached the pictures that I took of the vehicle minutes before taking it to XXXX which show that those damages were not there the day I turned it in.
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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o Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX XXXX XXXX XXXX XXXXXXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
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| 08/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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This complaint is related to GM Financial XXXX, address XXXX XXXX XXXX XXXX TX, XXXX. GM Financial is overcharging and passing on unfair charges to its consumers.
This unfair charge is called the " Disposition fee. '' After collecting the payoff amount in full, taking the lease vehicle back, charging for excess wear and use charge, GM still charges the consumer a " disposition fee '' so they can prepare and sell the vehicle. After the consumer returns the vehicle to its owner, the owner is charging the consumer to sell the vehicle via an auction. In other words, the consumer is responsible for a fee, so the owner does not have to absorb the cost.
Even after purchasing and leasing the third GM vehicle, this has not come up before, because " The Deposition Fee '' was waived for purchasing or leasing another GM vehicle. However, the " Disposition Fee '' is not waived if the consumer does not purchase or lease another vehicle from the same company. In other words, the consumer is penalized for not purchasing or leasing another GM vehicle for any reason, i.e. the consumer does not want to purchase or lease another vehicle, the consumer can not afford to purchase or lease another vehicle, etc.
Finally, even after executing three purchasing transactions with GMC, we have not been aware of the " Disposition Fee ' because it has not been explained or pointed out appropriately in each lease agreement. It has not explained either the " Disposition Fee '' is a kind of fee that is subject to additional taxes which resulted in an additional {$40.00} charge.
Thank you
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| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
Older American |
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Received a phone call claiming to be GM Financial alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from GM Financial. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped XXXX points? I talked with GM Financial today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.
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| 05/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My last payment made to my XXXX XXXX XXXX XXXX XXXX GM Financial was in XX/XX/XXXX. I had recently had financial loss due to my job closing down. I told them that in XXXX and was told that I would have make another 2 payments in order for them to give me a deferment or to give me a chance to come up with something. Because they gave me such a hard time, I couldn't come up with the full payments. Even on their website, if I tried to make partial payments, it wouldn't let me login because I was 2 months behind. I just wanted to make some kind of payment because I knew that I couldn't make the whole payment.
I received a letter by mail and email in XX/XX/XXXX, stating that I had to pay the full balance of loan by XXXX or my car would still be up for repossession and charge-off on my account and I wouldn't. be able to make another payment.
This was totally unfair because they had it designed where I couldn't even make just any type of payments. It had to be a full month payment or whatever I was behind on.
In the end of XX/XX/XXXX or the. beginning of XX/XX/XXXX, I received a phone call from GM Financial asking about payments. I told the lady that I received a letter stating that I had to pay the full balance or they would charged my car off and that they'd already charged it off. She lied and said they didn't. I told her that they did and hung up the phone.
They didn't really try to work with me on payments and charged it off on my account and put it on my credit in XXXX. That's so unfair. Now I'm having difficulties with my credit score and purchases.
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| 07/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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In XX/XX/XXXX I leased a new XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. XXXX, FL. All went well and I was a happy customer. On XX/XX/XXXX I went to shop for a new vehicle and find out if there were any specials going on. I was able to return my XXXX XXXX and lease a new XXXX XXXX XXXX. All was still fine and I was a happy customer. In XXXX my husband and I both received a bill for {$580.00}. I immediately contacted XXXX XXXX pertaining to this bill. I was told that since I had paid for an excess wear and tear policy on the equinox and leased another vehicle there should be no payment due. Before I could do anything about this, GM Financial reported this to the credit bureau as 90 days in the rears with a {$580.00} balance. In almost 12 years of leasing vehicles with XXXX my payments have never been late. As soon as this was reported to the credit bureau my husband and my credit scores dropped XXXX to XXXX and XXXX to XXXX. XXXX points and I am still trying to get it fixed. Numerous calls to GM Financial, numerous disputes with all credit bureaus and emails to XXXX XXXX which go unanswered. I have paperwork that shows I do not owed the excess wear and tear of {$150.00} and the disposition fee of {$390.00} that was charged in error as I leased another new vehicle from XXXX. I am getting no where with GM Financial, the credit bureaus, or XXXX after 3 months. This has damaged our credit scores and kept us from financial opportunities. The {$580.00} is still on my credit report and it is now showing 120 days past due. And still on my husbands credit report.
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| 03/28/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I turned in my leased vehicle early inXX/XX/XXXX. I returned it to the dealership where I leased it from -- XXXX XXXX in XXXX, CA. The lease was turned in approximately 20 months early. I paid off the remaining payments owed on the lease to GM Financial -- the leasing company. At a rate of $ XXXX/month, the approximate lease payoff to turn the vehicle in early was {$2100.00}. I paid {$2200.00} to GM Financial as a payroll -- slightly overpaying to cover any small interest amounts that accrued.
Since then, I've attempted to get the lease fully settled and a refund of approximately {$30.00} issued to me. In XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX to request the small refund. XXXX advised me that a final bill wasn't generated yet however he would request one. He did however generate a letter for me saying I owed {$0.00} on the lease. I never heard anything from GM Financial since. Today, onXX/XX/XXXX, I called GM Financial again asking for a refund. They advised me there wasn't a refund due. I asked for a final bill showing how the {$2200.00} was applied, and they advised me that one wasn't generated yet. The representative on the phone advised they would request a new one however couldn't at all tell me how long that would take.
Lastly, I received a new car registration in the mail dated XX/XX/XXXX issued by the State of California. The document shows me still as the registered owner despite turning in this vehicle back in XX/XX/XXXX. It's clear to me that they still haven't updated DMV records to reflect them taking the car back
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| 01/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX upon signing for the vehicle I know that Americredit was the listed XXXX holder. Shortly thereafter I started to receive statements from Gm financial. My payment were a total of XXXXXXXX XXXX XXXX
XXXX XXXX XX/XX/XXXX XXXX is listed on my Credit as an inquiry on XX/XX/XXXX. Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Gm financial I had financial hardship at the time where I made a paymenT arrangement with this company however, I was still waiting for my check as well as it would take a XXXX XXXX XXXX to processing to my bank account.
XXXX thing is for-sure is why would this company contact me at XXXX XXXX XXXX XXXX stating to contact them immediately only to repossess the vehicle early in the morning the was at XXXX XXXX standard time XXXX I didnt see the email until the XXXX XXXX. I guess they work late on those XXXX because often times They were closed after a certain time.
XX/XX/XXXX, I received an email at XXXX from GM financial telling me to contact them as soon as possible. I never saw the email until the XXXX XXXX when I walked outside and noticed the car was missing. So I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX that really didnt result to anything. Contacted Gm financial and gave me the instructions to get my vehicle which included going to the police stating and paying a fine and also having to go to XXXX XXXX to pick up my vehicle. However I noticed that the paperwork that I received in the mail stated the vehicle was located in XXXXXXXX XXXX
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| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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A certified notarized contract rescission/affidavit of truth letter was sent to the dealership XXXX XXXX XXXX XXXX XXXX XXXX CT for contractual fraud in XXXX of XXXX alleging that the contract did not reflect the {$1000.00} down payment as the one I signed did. I received a signed return receipt, and there was no response to the notice by the dealership within the 45 day time period, or nothing to disprove my claim that my consumer rights and consumer laws were violated by them and that the vehicle belongs to me according to the law. GMCs financing legal team was also notified via phone, fax, and certified mail of the contractual problem and was informed that a 1099c debt cancellation was done in XX/XX/XXXX because fraud and deceptive business practices. I also faxed GMC financial a copy of the 1099C and the fraudulent contract. Then on XX/XX/XXXX GMC proceeded to repossess the vehicle and with no payments owed to them refusing to return the vehicle and have plans to auction my truck without my permission and against my will. GMC is still currently billing me for the truck as well when they know it was a consumer credit transaction and have no legal right to possess my vehicle. Also in XX/XX/XXXX a certified notarized letter was sent to GMC financial fraud and legal team once again I received the return receipt but GMC has not yet responded. I called and they said my truck went to auction again the contract had been deemed null and void because of contractual fraud. I am without a vehicle and is currently renting one to get back in forth to work.
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| 07/29/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
Servicemember |
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I co-leased a vehicle on XXXX/XXXX/2015 with my husband who 's in the military ( 2015 GMC Acadia VIN # XXXX ). The dealership gave us false information about being able to ship a vehicle if given military XXXX. After 15 days of leasing the vehicle we received military XXXX and was able to return the vehicle and received a full refund from XXXX XXXX XXXX in the amount of {$1500.00}. We opened a case with GM financial ( Case # XXXX ) and was able to get the full refund due to the negligence, misleading information and law that Service Members Civil Relief Act outlines in Section 305.
I called GMC Financial @ XXXX and was referred to the City of XXXX XXXX to get this resolved. I then called the City of XXXX XXXX Treasury office @ XXXX and was told they did not report anything to GM Financial as they do n't have me owing anything to them. I then called GM Financial back and ca n't get a hold of anyone. I 've left multiple messages for the GM Financial recovery department @ XXXX and have not received a call back.
I now have XXXX reports on my credit report stating I 'm late on payments which has decreased my credit score. I am getting the runaround from GM Financial and no resolution has been given. I 'm currently XXXX and contacting GM Financial requires me to stay up late, as their hours of operation are during sleeping hours here. I need GM Financial to do their due diligence to ensure my credit report is cleared of any negative reports stating I 'm late on payments and comply with the Service Member Civil Relief Act which also covers dependents.
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| 02/17/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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At the end of my lease with GM Financial, I made an extra payment to the financial institution due to auto-pay setup from my bank. I was then sent an invoice for around a {$130.00} for 'excess wear and tear ' due to what they called damaged/scratched bumper area. What I believe occurred is that they took my extra payment and applied it to any remaining fees and excess wear assessed at the turn-in of the vehicle of about {$680.00}, leaving it short {$130.00} and with no explanation. I did not accept this wear and tear assessment because I live in a city/urban area and nicks like this occur all the time and I never noticed this damage. Nor was my incorrect extra payment meant to affirm my agreement to this charge/fee. I did call the institution and was frustrated by their lack of understanding or capable response. I wanted to dispute this but this is time consuming and I do have a busy work schedule. I discovered they reported me as delinquent on this remaining {$130.00} which is basically the disputed wear and tear cost. I called a 2nd time and paid the remaining amount because while I disputed the charge, they were going to report me as 60 days late regardless. So I paid it, but was told I had not other real option to dispute this. I then asked to have my late notice cleared, which they then said would be with another group that was unavailable at the time and that I would hear back from the later. There has been no response. This is very frustrating and a lack of understanding by the institution and not a lot of options to handle as a consumer.
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| 10/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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Vehicle leased through GM Financial, 48 month lease matured on XX/XX/2021. The lease was paid in full in XX/XX/2021. Vehicle was traded into XXXX XXXX XXXX on XX/XX/2021. Sitting in the dealership I called GM Financial to obtain the payout and the transaction was finalized.
When the check for the buyout was sent to GM Financial they refused it and kept returning it XXXX XXXX XXXX XXXX XXXX XXXX This was between GM Financial and XXXX XXXX having noting to do with me, my account to GM Financial was paid in full and closed.
GM Financial took 3 months to finalize the paperwork with XXXX XXXX and in the meantime kept " extending '' the original lease. This was not requested, authorized or even necessary as I had already purchased another vehicle and the old vehicle was accepted as a trade in and payout provided. GM Financial extended the Lease by 3 months and each month kept reporting the payment as past due. reported past due.
I tried on multiple occasions to have this corrected and GM finical instated that the past due amount was correct it is not. GM Financial has since processed the paperwork and finalized the buyout, I have received notification of same yet they are still refusing to remove the late payments from my credit history.
This has had a significantly impact on my credit scope, it has reduced my score by 97 points, which has in turn put a bad mark on my credit worthiness and creditors have decreased my credit limit reducing my score even more. I want these late payments removed from my history, as it is false information reported.
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| 07/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I purchased a XXXX XXXX from a XXXX car lot in XXXX, CA the creditor is GM Financial. The financing department as part of their sales pitch helped me to set up a reoccurring auto payment from my checking account before driving off the lot with my new car. All my payments have been on time and Ive never had an issue until XX/XX/XXXX when I realized that my payment hadnt been processed like normal. When I called GM they told me it was cancelled and that the system cancelled the auto pay based off of a date put in by the salesperson. I was never given anything in writing about my auto pay being cancelled after a certain amount of time nor was I sent any mail, email correspondence and I never received a call or talked to anyone from GM. I called and re-initiated my auto pay with GMs help after finding out I was late due to this error that I should be held responsible for. Ive talked to CS Reps and Supervisors as of XXXX on a XX/XX/XXXX and back in XX/XX/XXXX and no one will help me. They said its my fault I have a negative rating on my credit report. Im in the middle of buying a house and that dropped my score almost 30 points. Ive never had any late accounts on my credit until this happened and it hurt me because Im in the middle of an escrow. I need GM to remove this negative rating and ASAP! Ive been a loyal good paying customer never late and this is how Im treated when it wasnt my fault but the fault of a GM representative. I have contacted the credit bureaus to dispute but havent heard back and GM wont help me either. I need this fixed ASAP!
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| 09/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I voluntarily surrendered a car that I bought in XXXX. GM Financial Closed the acct as derogatory- charge off .... " No payment history reported to creditor '', closed date of XXXX/XXXX/XXXX. They are still reporting monthly with a last payment date of XXXX/XXXX/XXXX, past due bal of {$16000.00} .... I filed a dispute with XXXX asking them to investigate as the statue of limitations for TX is 4 years, and if the acct has been listed as closed-charge off since XXXX/XXXX/XXXX there should not be any last payments nor missed payment reported. The dispute was completed on XXXX/XXXX/XXXX, and GM added new information to the acct. They have now changed the status to open-derogatory, deleted the closed date, date of last payment has now been changed to XXXX/XXXX/XXXX, past due amount still shows {$16000.00}. No matter what date you change the last payment date to, looks like they tried to change so it would now be before the charge off, it is still past the four year SOL law for TX. They are filing inaccurate data on my report and have refused to delete it. A creditor can not just change the data on ones report to try to make it " look right ''. A 's far as the new status goes, GM Financial is the original ceditor, and no where on the older reports does it indicate that the acct was closed due to being sold to a XXXX XXXX. By placing the status back to " open '' they are trying to REAGE my acct. This is ILLEGAL. I demand this be removed from my report and they be investigated, for illegal credit reporting and retaliation for a dispute being filed.
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| 01/23/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Servicemember |
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As power of attorney for XXXX XXXX XXXX I made car payments from his bank page think it was going to XXXX XXXX. I did n't realize that it was in fact still linked to GM Financial. He had a loan with then XX/XX/XXXX and the car was paid for. I sent XXXX They returned XXXX payment for XXXX. However following payments in the amount XXXX and XXXX were made upon receiving letter from wells that said he was behind XXXX so I paid what I had on hand knowing that I had just sent XXXX. It was never received and I have been trying since XX/XX/XXXX to get the money back from GM. Apparently they had and old address on file. I call in XX/XX/XXXX to find out what was going on after his bank said they could n't retrieve them money I would have to call GM. I was told they would update the account and issue the check. On XX/XX/XXXX I called again as I had not received checks as per first call it would be XXXX. I was told then they would put in request again and someone would call the following Mon. XX/XX/XXXX. I called again today XX/XX/XXXX cause there were still no checks in the mail. I was told they were waiting on another department to return email and they could n't give me a time frame someone would get back to me. When I asked to speak to supervisor I was transferred to XXXX XXXX 's voice mail with no estimated time of call back. At this point they have till Wed end of business to give me time line or I 'm going to court and charging interest and penalties in accordance with Arizona law they can pay court fees and whatever else the court deems fit.
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| 09/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
Older American |
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Beginning in XXXX, I entered inro a lease with GM Financial for a XXXX XXXX XXXX. In XXXX Covid hit the US and I started having difficulty making my payments of approx. {$590.00} monthly. I got GM to work with me to try to resolve the problem, and an individual named XXXX XXXX began wo work with us ( my wife. GM continously threatened me with repossession or charge-off of the vehicle. We are both senior citizens with health issues. The car is all we have for medical, food, pharmacy etc. Our family ( XXXX sons ) is assisting us with the payments, but they too have responsibilities. They wanted {$1100.00} by XX/XX/XXXX or there will be a charge-off. They simply stopped trying to help once they felt no one was " watching '' them. XXXX XXXX states to my wife since she did not contact her during the month of XXXX, there would be a charge off. We didn't call and there would be a charge off? We are both ill and our income has dwindled since XXXX. By no means are we trying to avoid payment. Our previous record with GM Financial can attest to that ( from XXXX until XXXX ). All we want is time to respond with the required payments, and stop threatening me with reposession or charge off. I am sure they will come back with the record of payment or some such thing, but we were very good customers with GM and we are not asking for a hand out, but a hand up. Can you please help? This is an urgent matter ; we want to work this out, and we don't want our car repossessed. We are so close to the end of the contract, and we want this to work. HELP!
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| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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GM Financial sent me an email that they received a notice the car was impounded. We left the car at a repair shop ( the owner apparently had died in the meanwhile is what the current owner of location is saying ), that apparently it was stolen and sold on XXXX XXXX XXXX ( according to the police in FL ) with a stolen title in FL. Someone tried to transfer the title or pick up tags where it was discovered. The FL police reached out to GM Fin'l, asked if they still had a lien, and GM Fin'l picked it up. This was approximately from Spring sometime until XXXX. I had been making payments the whole time so had no idea. GM Fin'l blocked my acct to receive any add'l payments, causing it to go into default, called the loan due but never gave me a payoff nor would give one when requested, sold the car for at least $ XXXX more than was owed, and refunded me two payments. It's being reported incorrectly on XXXX as a charge off. There should not be default because they caused the default by blocking the payments being processed. And they sold the car and kept to proceeds. I'm located in XXXX GA area. A XXXX XXXX. Acct XXXX. I can't get into the account to pull the full account number. Also I had a legal name change in the meanwhile, so name changed on account to current name XXXX XXXX XXXX, but initially was XXXX XXXX. The police officer had me submit a statement. It is attached. His name is Officer XXXX XXXX. Email address : XXXX. I recently was denied for a new car loan and am paying very high interest on the loan that was accepted.
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| 10/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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On XX/XX/2022, I was approved for auto loan with AmeriCredit. Then on XX/XX/2022, I received a welcome letter in the mail from GM Financial. In the letter it didn't state GM will be servicing my auto loan nor did AmeriCredit inform me that GM will be servicing my auto loan. In the meantime, I had sent GM billing error notice asking them to provide with contract binding, validation of the debt to pay them. I received in the mail account summary, TILA dealer contract, my credit application, and notary documentation that AmeriCredit and GM are one company. They never provided me with right to rescind disclosures. Those are not what I'm asking for and I'm so confuse because one company is in Maryland and the other is in Texas but the notarize shows both address state in the state of Maryland. As a consumer every document is supposed to be clear for the consumer to understand. I have spoken with dealership regarding my contract as to who was my original creditor and the finance manager stated Americredit not GM. I told him I wanted to make sure. I extended my credit to Americredit. I do not want to hear this is like a mortgage loan. A mortgage servicer informs their consumers on this date we will start servicing your loan all payments go here. I recently sent GM a Cease-and-Desist letter to them because they have violated FDCPA and as a federally protected consumer I have the right for GM to provide with the correct information I'm requesting. This company needs to be investigated for their deceptive misleading practices.
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| 07/11/2023 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, I have an auto load with GM Financial. I found out today that I am 30 days past due on a payment that was due in XXXX ( XX/XX/XXXX ). When I made my last payment the GM website said my next payment was due XX/XX/XXXX. It misadvised me because there was really a payment that was due XX/XX/XXXX that hadn't been made yet. I logged in today thinking I was 1 day late and I was really 30 days late.
I called the company and pointed out that their website showed that my next payment was due in XXXX and not XXXX. They admitted that the information was wrong on the phone ( talked to XXXX XXXX on XX/XX/23 @ XXXX XXXX ), however, they refuse to make sure it doesn't impact my credit or remove any late fee. I made the payment immediately but their website is clearly misadvising consumers and misleading them - leading to increased late payment revenue for their company.
I attached a picture showing the misleading information. Today is XX/XX/XXXX. I thought I had a payment due XX/XX/XXXX ( 1 day late ). The website says payment is 30 days late ( would have been XXXX payment I didn't know about ) - then it says my next payment isn't until XXXX. It says NOTHING about my XXXX payment - that was due yesterday. Extremely misleading and unethical.
Something needs to be done to stop this from happening to consumers. It is gross misrepresentation and I would argue illegal to mislead consumers like that.
All I want is GM Financial to quit misleading customers and do the right and ethical thing when they mislead someone.
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| 09/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX I went to pay my lease payment and my account stated it was paid for so I called GM telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through GM Financial website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up.
I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.
|
| 07/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted GM Financial who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow GM Financial to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GM financial, and XXXX XXXX via XXXX XXXX XXXX.
|
| 06/07/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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When I leased my vehicle 3 years ago, GM financial was nice enough to be the lender for my new vehicle. About a week after taking the vehicle home, I received a packet in the mail and set up automatic debiting of my account. The payment was made the same day for the length of the lease. We turned in our vehicle the 3rd week of XXXX 2017 about 2 months early ( we leased a XXXX before our lease was over ), and we were notified that the lender would send us a bill for the remaining months. The lender sent us a notice via mail that we would be receiving an end-of-lease packet with the final bill. On XXXX XXXX 2 017 another debit was made from our account, which was fine as I 'd imagine they 'd deduct that payment from the final bill. In early XXXX, I received a notification from my credit monitoring saying there was a late payment to GM financial. This made no sense to me because we were on automatic debit. Upon calling GM financial, they indicated we were always about 28 days behind on payment, which I have no record of nor were we ever told that this was the case. As far as I 'm concerned there was never a late payment that ever took place. The down payment was to include first month 's lease, and we set up automatic debit only a week after taking the car home, making an late payment impossible. They also had the wrong phone number on file and never attempted to send us a letter to correct it. As it stands this late payment is hurting my credit and from what I can see was no fault whatsoever to my wife and I.
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| 05/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
Servicemember |
|
I forced GM to settle but they failed to honor their end of the agreement. My XXXX was destroyed about 6 months ago. General Motors requested my GAP insurance and so did I. I had never received my accelerate notice and there was no paperwork submitted by the insurance provider or anyone else. I had called and asked for a settlement and if I could setup payment arrangements. Today was the first day that I was able to speak to someone and that there was an accelerate notice and that they had never updated my address, which is why I never received my paperwork. I was told by a representative that if the insurance did not pay anything, then the GAP would not cover anything and that the paperwork was not turned in within the 90 days of the accident. My correct mailing address was just updated today since I had purchased the vehicle and they have been using the incorrect address. When I contacted collections, I told them that they could not place this on my credit during this time and was told that it would be kept in house and would then be sold to another company and would show on my credit report for 7 years. I would told that they would not settle with me at all. I even asked about my extended warranties and was informed that I would have to go back to the place of purchase. I filed a complaint and the next day GM settled and I paid a few weeks letter in full.
GM has brought harm to my credit during the pandemic period. This aggression by GM is outrageous. I settled but they still continue to do wrong.
|
| 12/13/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
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Web |
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During the course of the lease in question, I, the customer, consistently paid on my account early and in excess of the minimum amount due. When the lease had ended, I returned the vehicle in pristine condition. GM Financial had agreed, but had charged $XXXX in over-mileage charges, with the final payment due on XX/XX/2019. I am not disputing this charge, I want to pay it. GM Financial offered only ONE method of payment for their final bill, via check and using a slip attached to the final bill. On XX/XX/2019, a payment for $XXXX in the form of check (from my account, check #XXXX) along with the final bill slip was sent via USPS to the address provided by GM Financial: XXXX. XXXX XXXX, XXXX, AZ XXXX as instructed by the final bill sent by GM Financial.I have not heard from GM Financial directly since. However, GM Financial, without indication, warning, or otherwise, reported to XXXX a serious delinquency on my account. The only way I found out about this was through a credit monitoring service. GM Financial lost my check. GM Financial did not send any additional notices. A dispute from XXXX confirmed what was stated in my initial paragraph: I, the customer, consistently paid on my account early and in excess of the minimum amount due. However, the end result of the dispute was inconclusive. When reaching out to GM Financial to see what the problem was, they simply refused to help or even look into the matter further. The date, time, and person I spoke to from GM Financial was recorded for reference.
|
| 11/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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Last year XX/XX/XXXX Our company bought XXXX XXXX XXXX XXXX account number : XXXX.
Right after ( XX/XX/XXXX ) we found electrical problems dealership fixed them but problem continued and a XXXX complaint was filed, On XX/XX/XXXX our truck was in an accident the electrical problems continue and dealership blamed them on the accident, we file a complaint with XXXX resolutions management XXXX XXXX with phone number XXXX ext XXXX was the person in charge, dealer continued to blame problems on accident kept the truck for longer than needed and a rental reimbursement was implied on our email, phone conversations at the end XXXX resolutions and dealership denied the reimbursement and due to their very busy schedule they didn't begin any work, we picked up truck and fixed it with someone else, all conversations were recorded and emails kept on our files for future escalation. Our insurance paid for the repairs with checks that were sent to XXXX according to their procedure, repairs were actually paid from our pockets and now we are requesting our reimbursement, when we call customer service it seems like the information is not properly managed with people telling us different information.
We ask for our reimbursement to be completed as soon as possible if you need to review the case ( s ), complaints internally that would be great, it would help us all very much, We are very disappointed with all this negligence but XXXX has better quality than XXXX for our line of work please help us to stay with you.
|
| 03/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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|
I am writing this letter to express my deep dissatisfaction and frustration regarding the recent threats of repossession of my car from GM Financial company. My name is XXXX XXXX, and my husband and I have been clients since 2017. Recently, we have experienced a series of devastating losses : both my mother and his father passed away. In light of this tragedy, it is incomprehensible that they do not show even an ounce of empathy or compassion towards us.
We are aware that our payments are behind schedule ; however, with my husband taking care of most bills, it has become increasingly difficult to catch up on our car payments. Furthermore, the thought of someone coming into our private property to repossess the vehicle is absolutely outrageous and illegal in many states across the nation and I believe New York its one of them, correct me if Im wrong.
We would like that, if possible, stop calling us multiple times a day and sending us threatening emails related to repossession. We have decided that we will only respond to written correspondence from you due to the constant phone calls demanding payments at our workplaces which makes us feel deeply uncomfortable, the constant calls and letters are not helping the situation. We understand that this is a difficult situation for both of us.
We understand our responsibilities as clients and were not denying it, but we also know what rights we are entitled to as well, and know thats why we are here to contact the Consumer Financial Protection Bureau.
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
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| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX, Mo XXXX To : XXXX XXXX XXXX XXXX XXXX, This complaint is against GM Financial on ground of price gouging by changing a payoff on a vehicle. Allow me to explain.
In XX/XX/XXXX my fianc past away with a XXXX XXXX XXXX, being financed by GM Financial. According to the bill for that month, the owed balance was about {$9000.00}. Later I advised the lender of the development by sending information and express my intent to continue to payoff the balance. I even sent them a copy of the title indicating me as a beneficiary on a TOD ; Transfer on Death.
During a phone conversation, they insist that I produce a letter of executive, or they will NOT give me a statement on the account. It was explained that because my fianc didnt owed any property or a business, an executive letter was unneeded and will NOT be produced. The lender still refuse to give me a statement.
Point of the Complaint In XXXX, I received a letter from the lender stating that a balance of > {$8000.00} ( {$7000.00} principal ) was owed. Please be advised that payments of {$430.00} ( average ) a month was made from XXXX to XXXX of XXXX. To have this amount left on the balance is clearly unreasonable. It appears that the reason for this lender to NOT provide me a statement is to wrongfully charge me an excessive amount to payoff my fiancs vehicle.
Additional information will be submitted at a later time.
With this complaint, I respectfully ask for your assistance.
XXXX, XXXX XXXX.
|
| 03/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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I pulled my payoff amount from the online portal on XX/XX/XXXX and paid amount show the same day. Through the text chat I was advised it would take about 30 days to process and receive title. Called back the 2nd week in XXXX to check status and was told the payment funds had not been allocated and they would submit request. This process continued weekly until I called on XX/XX/XXXX and was told the same thing but that the account had a credit and I would receive {$320.00} back by check and they again submitted request to allocate funds and to allow 2-3 business days for completion. I called again on Monday XXXX and spent over an hour on the phone to have someone finally get into my account and finalize the account to closed and request title. This phone call I was finally told that I still owed {$350.00} and that I have been charged interest daily since the XX/XX/XXXX payment even though I have called continuously for almost 2 months and no one told me any of the above and got different answers each time. Spoke with " manager '' who had children crying the background who in a nutshell told me I was going to get charged interest and apologized for the wrong information given by " new employees ''. This situation was handled extremely poorly and I was fed incorrect information since XXXX but they are doing nothing as recourse. At conversation on XX/XX/XXXX I was told they would be able to expedite the title for me at least but as of conversation with manager on XX/XX/XXXX that is never possible.
|
| 11/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My husband used my credit to lease a vehicle in XXXX while I was out of the country. He paid the first month 's lease when he paid down payment with other fees relating to registration and drove off the car. Since then, we never received any bills from the creditor, GM Financial, until I received an email from credit bureau ( XXXX and XXXX ) notifying me that my credit score dropped by 60 points. Surprised, I reviewed my credit report. It went down by 60 points because GM Financial reported late payments on my husband 's auto lease. I came back to the States in late XXXX. I looked through every mails that came while I was gone and there was no mail or anything from GM Financial ever. We still have not received any bills. The lease amount is only {$280.00} - I would never miss this payment at the risk of losing 60 points on my credit score. I called GM and they said they can not remove the report because they mailed them out. This is ridiculous - we just opened up the account in XXXX and this was our first time missing payment clearly due to GM 's mailing system. Again, we still have not received our XXXX bill which they claimed to send on XX/XX/2018. How am I supposed to pay the bills that I never received? I am responsible for multiple bills per months. GM Financial does not care and merely repeats that they sent out the bills. They clearly don't care about the fact that I will not be receiving those bills in the future as well. This creditor is harassing consumers and needs to be reported.
|
| 04/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I leased a XXXX XXXX from GM Financial made all payments on time and return truck on maturity date, Due to pandemic I had to purchase vehicle from out of state and dealership i purchased from drove new vehicle to my place of employment and drove my lease return back on XX/XX/XXXX. Approx. 2 months after lease I began to receive harassing phone calls from GM Financial stating i owned money for damage to vehicle that was not on vehicle when dealership picked up and inspected. When returned vehicle there was now damage anywhere and I had just installed 4 brand new tires and had vehicle detailed to ensure there would not be a problem. I asked them repeatedly to send me copy of report as I had pictures to show vehicle condition when dropped off. I also asked them why it took months for them to inspect and sell vehicle and what was price of sale of vehicle at auction as I am certain it was over residual value. GM never send bill but continued to rob call me at my employers number even though asked not to be contacted on that number on at least 5 occasions. Now I just received an alert on my credit that GM has submitted account to collections without sending me documents requested as I was disputing charges as they were fraudulently or may have occurred in the two months it took them to inspect vehicle in dealers possession. Their was also mileage charges that were approx. XXXX miles higher than when dealership took my lease back so evidentially either dealership or GM drove the vehicle somewhere.
|
| 02/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received notification from XXXX XXXX that my score dropped because I had a late payment to GM Financial.
I never received my final bill with information on how/where to PAY my bill.
I called GM Financial XX/XX/XXXX and told them I never received a bill. They said they generated one on XX/XX/XXXXI said, Well no wonder I didnt get itit must have gotten lost in the XXXX mail mess. They said they called me and left messages multiple times, and I told them I NEVER received a phone call. I spoke to a supervisor, who gave me a phone number I didnt recognizelikely an old work phone number. I asked if they had my cell phone numberthey didand I asked why they didnt try to call me there, since I NEVER received a phone call to my personal cell phone, nor any bills. They had no answer to that question except that the phones auto dial. ( Apparently their auto dial system is substandard because it does not dial all phone numbers of record. ) I paid my bill over the phone right that moment, in full, and even {$20.00} in XXXX XXXX fees. I asked them to remove the late payment reporting on my credit report and they said no, they wouldnt, because they had not made an error. I said that they had made no attempts to reach me, and I have a pristine record, they could see Ive paid everything on time, and obviously I had just paid them as soon as I figured out how to reach them. They said no. It was only 34 days late, today, when I paid. They said they report everyone when they are 30 days late.
|
| 03/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account info Account name XXXX XXXX Account number XXXX Account type Auto Lease Dear [ Creditor or Credit Reporting Agency ] , I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.
Thank you for your prompt attention to this matter.
Sincerely, [ XXXX XXXX ]
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am filing this complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " GM FINANCIAL ''. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report GM Financial for fraudulently processing my credit report over 8 attempts within the last three months. GM Financial has processed my credit report eight times on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with XXXX and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have reported this matter to GM Financial several times over the phone to the finance supervisor XXXX XXXX and XXXX XXXX. I have not received any documentation or information on this matter from GM Financial. I have spent weeks and days attempting to resolve this matter and there seems to be no response from this company. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent.
GM FINANCIAL : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
My lease vehicle was involved in a car accident on XX/XX/XXXX. I was not the driver, my son was driving. I contacted GM Financial to find out what the next steps would be, if my claim was denied. I was told, in a recorded conversation by GM Financial, that " we would need to pick up the vehicle and sell it at auction. We would take that amount off the amount you owe and then we would file a gap coverage claim since all lease vehicles come with gap coverage '' I then called again to the Total Loss department and spoke with a different agent who stated they were waiting for XXXX to release the vehicle. I contact XXXX and the vehicle was released on XX/XX/XXXX and picked up by GM Financial on XX/XX/XXXX. Immediately after this, I had a credit alert notification that my vehicle was placed as 'Derogatory, Repossession ' My issue is the fact that after numerous calls ( nobody from GM Financial has reached out to me ) I was never once told that if GM picked my vehicle up that it would hit my credit as a repo ( this was over 200 points against my credit report ). I am devastated at this. I was never given the option, or choice. It is all in their recorded calls. I have left messages for a supervisor to call me back, and still, not one call. I continued making my lease payments since XX/XX/XXXX so my credit would not have a negative impact. I have never missed a payment, or made a late payment, and now this. No calls to explain to me what is going on.
Please help!
Kind regards - XXXX XXXX XXXX
|
| 12/19/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I first got the lease I signed up for autopay " recurring lease payments '' via instructions from GM Financial. I never cancelled the recurring payments so assumed they had continued like they had for the previous 2.5 years. However, I found out that in XX/XX/2019 the auto payments had stopped ( I hadn't done anything to stop them ) and XXXX XXXX lease hadn't been paid so I quickly jumped on-line and made both XXXX and XXXX payments. I then re-set up auto payments and received confirmation on XX/XX/XXXX that the recurring lease payments would continue like they had the first 2.5 years of the lease with no problems. Well then again on XX/XX/XXXX I was notified that the payment was 40 days late and the recurring lease payments I had set up according to GM Financials instructions didn't take my payment so that day I jumped on line and paid the amount that was showing outstanding. When I called GM financial they said they had made a mistake and that my credit shouldn't have been marked with a 30 day late and they would do a credit correction and to call back in 1 week to confirm. When I called back in to follow up someone on the phone said they wouldn't help me and they wouldn't correct the mistake. I have spent the last 10 years building my credit and paying my bills on time. I specifically set up autopay so that this wouldn't happen, I am extremely frustrated and feel like a victim as the immediate drop in my credit score from no fault of mine will prove to be very expensive.
|
| 02/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I originated this loan in XXXX. It was for the purchase of a XXXX Carry over truck but it was new.We got the loan at 0 % interest rate. Things were going well as far as payments and amounts being correct until they did a update to their computer system in XX/XX/XXXX. Ever since then there has been a discrepancy of about {$400.00}. I have called and emailed numerous times. I can go back just like they can in payment history, yes I have moved my payment due date but I had always paid in the end what it said the payment was. I did split my payments in 1/2. I did a complete printout of my loan payments since the origination of the loan. If what they are telling me is correct that this is all late fees that had occurred since the opening of the loan and were not paid 1. Why were no phone calls made to me? 2. Why was it not stated on the online account page until XX/XX/XXXX? If there are late fees still owed fine I will pay them but I DO NOT agree with the {$400.00} they are saying it is. I can calculate and in the worst case it is like {$50.00} I owe!! Every time I call the representative says yes I see it and I will get it taken care of.Then there is also times the computer system is down. That has happened alot! They always assure me the problem will get fixed Well guess what it isn't!! GM Financial prides itself on its customer service. That's a load of XXXX!! Even if they offer the 0 % financing really think long and hard about taking it!! This company will put you through XXXX!!
|
| 09/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I traded in my car on XX/XX/XXXX. The dealer got a 10-day payoff. GM Financial also pulled another auto payment on XX/XX/XXXX, three days after the car was traded. This resulted in a {$1300.00} overpayment.
GM Financial received the payment from the dealer and the car was paid off a few days after my payment was pulled. On XX/XX/XXXX, I called and requested that a refund be issued or that the overpayment be applied to my new loan.
How long can they hold my money before issuing the refund or applying the funds?
I was told they hold it 30 days unless I go to the dealer and have them send a copy of the front and back of the cancelled check and send them my bank statement showing the funds have cleared. My payment was an ACH payment initiated by them 10 days ago. They should have a way to verify it has cleared with having access to my personal banking information. I also am frustrated they have to mail a paper check when I have never paid them in that manner.
Overall, I feel like this is a stalling technique even though my payments to them have always been on time. Even if they didn't want to refund it right away, why couldn't they simply apply it to my new loan? They would still have the money. Now I'm paying interest on {$1300.00} more than I should have to on that loan because they are holding my money hostage. I feel like this is an unfair trade practice because they are refusing to refund my money or apply that money to the loan for which they are collecting interest.
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| 06/14/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
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| 07/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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GM Financial is incorrectly reporting late payments from XX/XX/XXXX to XX/XX/XXXX on an account/loan that I paid off in XX/XX/XXXX to XXXX . This has lowered my credit score by XXXX points from a good score to a " fair '' score which is preventing me from obtaining credit. I called GM Financial on XX/XX/XXXX @ XXXX CST and explained to XXXX ( Employee ID # XXXX ) and she offered no help to fix problem. I called GM Financial once again @ XXXX CST and spoke to XXXX ( Employee ID # XXXX ) in hopes to get someone to help me, and she offered no help as well and told me to have my attorney contact them. GM Financial is reporting that I had 16 - 30-day late payments, and 4 - 60 day late payments which is totally inaccurate. I only had 6 - 30 day late paymen ts, and 2 - 60 da y late payments that were between XXXX - XXXX . I completely paid-off my balance in XX/XX/XXXX which closed my account in XX/XX/XXXX in good standing. And now GM Financial is reporting derogatory late payments from XX/XX/XXXX to XX/XX/XXXX in years that I did not, and do not even have an open account/loan with GM ; furthermore, they will not correct it. GM Financial is destroying my credit score for no reason and refuses to correct their mistake. GM Financial is blaming the mistakes on XXXX and refuses to correct. I attached the XXXX credit report showing these errors. I also attached the XXXX credit report which is accurate and shows that I paid off loan in XX/XX/XXXX .
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| 03/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I found out midway through the loan that it was interest only. After paying 4 years in and still not having any amounts reduce the financed amount. I was told and encouraged to go through the company 's rewrite service which would reduce monthly amount. I was told I needed to pay up 25 payments in order to qualify. Which I did in XXXX. I was supposed to have entered the rewrite process but it did not happen. At the time I was told bc I wasn't current. So I paid the bill current in a lump sum amount and again for the 2nd time in XXXX, the rewrite did not happen. The reason, bc the request was never put in and another bill had become due. At this juncture, I began falling behind again. My most recent request, XX/XX/XXXX, I was able to save up and pay another lump sum ( {$1700.00} ). Was told the process would take 14 days. When I went in to pay my XXXX bill, the rewrite again did not happen. This time stating I failed to call back and request. Each time I make the lump sum, I have confirmed the request for rewrite. Which is the reason I have paid the lump sum. I called back to confirm my payment but again, the company has failed to process and charged fees, to which will cause me to fall behind again. It is starting to appear fraudulent. The many requests for extra money, piling on of fees, and failures to process requests as discussed. They have managed to gauge over {$30000.00} for a car with barely {$19000.00}. And we still owe {$13000.00}. They are a complete fraud!!!!!
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| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hi, On XX/XX/XXXX I've send a secure message through XXXX XXXX XXXX asking if they can help place my account on deferment. On XX/XX/XXXX they replied with an offer to help due to COVID19 and place my account payments to the back end of the loan which was big help, but only to find out later from an alert from XXXX my account was marked 30 days past due and dropped my score -32 point, my credit was fair at the time and now puts to poor causing my other grantors reviewing my credit now and closing my account.
I've called XXXX and for them to say they we behind on processing the deferments and would correct the problem but the person on the phone had computer issues but did say they know of the issue and would take action to correct. I said I've call back which I did today only to fin out nothing was done and told to write a dispute letter to them and they would investigate. I told them I'm not writing a letter to dispute an issue they caused and should fix the problem without having people in the same situation as me having to mail a letter with everything going on with this pandemic.
The person I spoke with by the name of XXXX sent a complaint to their internal but again this will only fall on deaf ears, after all I'm little guy and no cares whether this is corrected or not. I have others who have also done the same thing like GM financial, marked 30 days with a drop of another -32 points. At this point I won't get a job. This only adds to my stress and anxiety.
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| 04/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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Hello, My fianc leased a brand new XXXX XXXX XXXX through XXXX XXXX located in XXXX Florida. On XX/XX/XXXX we turned in our XXXX XXXX XXXX completely paid off and proceeded to lease a brand new XXXX XXXX XXXX. Our original loan was through GM financial. We received late payment calls and emails from GM financial after XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX we receive 11 recorded calls from GM financial where we explain the situation over and over again. We stayed that we had turned in XXXX XXXX XXXX with a paid off lease and the dealership XXXX provided us paperwork that they would be purchasing the car from GM financial. On XX/XX/XXXX GM financial reported a late payment to the credit bureaus and this caused my credit to drop from over XXXX to the low XXXX. We did everything in our power and what was expected of us to turn in this car and get a brand new car and we specifically said to GM financial we did not want this to affect our credit The car was no longer in our possession and we paid off and completed the lease terms so it was not our responsibility. Every representative i had spoke to from GM financial told me that they would call XXXX and get to the bottom of it. We called XXXX XXXX many times to have this issue resolved and every call became less respective and difficult to work with their employees. Me and my fianc feel like XXXX tried to steal the XXXX XXXX and hoped that no one would notice. We need to have this matter resolved as soon as possible.
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| 09/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. Reported nothing XX/XX/XXXX than reported me 60 days late in XX/XX/XXXX. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of { {$0.00} } The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. There are also articles online where GM Financial admits having issues with their payment system when they upgraded in XX/XX/XXXX. I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error. I want the late payment removed, this is affecting me purchasing my home
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX The universal requisites, at a minimum, include adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the XXXX XXXX data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenge of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized XXXX XXXX format.
CLEARLY, INACCURACIES CANT BE CERTIFIABLY COMPLIANT!
XXXX GM FINANCIAL Account number XXXX XXXXXXXX XXXX Type Detail : Reason : XXXX Account Type : Reason : MISSING INFO XXXX Credit Limit : Reason : XXXX Highest Credit/Original Loan Amount Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : Not accurate XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : MISSING INFO
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| 01/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell you to verify the items I had identified as inaccurate or incomplete in my credit report.
Copies of my correspondence are attached for your review.
XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX GM FINANCIAL Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed.
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
I request you send me a copy of my updated credit report showing the elimination of the items which I disputed on the attached letters.
This copy must be provided free, according to 15 USC section 1681j. I request that it be postmarked within five days after signing the certified mail receipt for the letter you are holding.
If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1681 of the Fair Credit Reporting Act, Civil liability for willful noncompliance.
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| 09/30/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Unauthorized withdrawals or charges
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Web |
Servicemember |
|
this morning i opened the GM app to make a payment of XXXX ( 1 month and still owe one more ) I selected the ACH method of payment on file with GM. Red note said account not acceptable use different ACH account which I added then attempted again with same comment.
I called GM XXXX XXXX department and they said to use debit card. XXXX weeks ago, our bank info through XXXX was hacked so we had to have new debit cards issued which i added to my profile today on GM website. I then made a payment of XXXX immediately on my phone a transaction from XXXX XXXX XXXX XXXX showed a withdrawal of XXXX. I did not error on this. This is on your end. I called GM XXXX department and the supervisor stated there was nothing he could do and that I would have to dispute through my bank. I have been with XXXX XXXX for XXXX years and then confirmed the investigation could take up to XXXX months.
I HAVE A MORGAGE DUE XXXXAND CAN NOT PAY IT! and told your department this. Still no resolution telling me there's nothing that can be done.
The truck is pending sale next week and not only have they taken the one payment but three! Then to top it off it has always taken 3-5 days to process payment. Today I tried to delete the payment and the system said in the middle of up dates. They actually processed the payment same day!! Never has that happens before. I work at XXXX XXXX and I am putting them on blast to every XXXX I know!! They took a payment that was not even due yet! XXXX!!
|
| 08/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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This incident is regarding a leased XXXX XXXX XXXX which was fully paid off and turned into a XXXX dealership for a trade-in.
On XX/XX/XXXX, I traded-in a zero-balance lease for a XXXX XXXX XXXX which was due on XX/XX/XXXX. The dealership was XXXX XXXX XXXX is XXXX XXXX. I completed the lease trade-in in person and received a new lease, a XXXX XXXX XXXX XXXX XXXX
During late XXXX / early XXXX, XXXX called several times stating that they were under the impression I still had the vehicle and were expecting late lease payments. I gave them information on the dealership and stated I was no longer in possession of the vehicle. This repeated over 3 or 4 calls, where I explained the situation to XXXX each time. I then notified XXXX XXXX XXXX over phone twice that XXXX was calling about my traded in vehicle. The sales reps at XXXX XXXX XXXX stated that they had sent XXXX the relevant paperwork and that the situation would resolve.
On XX/XX/XXXX, I received a credit delinquency notification from XXXX for missed payment of 2 monthly payments. On XX/XX/XXXX, I called XXXX in attempt to escalate the situation given the severity of my damaged credit. That day I called XXXX XXXX XXXX and was unable to get in touch with a financial XXXX. I was able to get in touch with a customer service rep who stated XXXX " resolved the situation ''.
I have not received a resolution from XXXX and they have damaged my credit for a vehicle I traded in to one of their dealerships.
|
| 07/10/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I opened and have maintained an leasing account with GM financial in XX/XX/XXXX. My lease is slotted to end XX/XX/XXXX. I moved, recently, out of the country and needed to end the lease early. I first called a GM dealership, asking to turn in the car on my way driving out of the country. They advised me that I needed to have an inspection done on the car. I called GM Financial, the leaseholder, and they CONFIRMED, via telephone, that this was the case. This was on XX/XX/XXXX. I was then told that a pre-inspection would be necessary. The pre-inspection should be scheduled within 48-72 hours, I was told. I was trying to return the car before leaving the US. Unfortunately, GM leasing could not transmit the file in the timeframe they said they would. I called back every business day after that, politely asking where my file was and when could I have the lease completed. Every time, I was assured that it would happen the next morning. I moved on XX/XX/XXXX, and left the car in the US, being charged $ XXXX/day for storage until the " mandatory '' pre-inspection lease was undertaken. I waited nearly two weeks, before yesterday talking to a customer rep who advised me that I was misinformed, and that the inspection is not required. I asked for an address to bill GM Financial for the costs of storage, as their mistake has now lead to me having to put out costs. The customer service reps then turned incredibly rude and refused to cooperate. They admitted no fault.
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company explaining amount owed
|
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Web |
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On XX/XX/XXXX, I woke up to my car missing. I called XXXX, and they told me it was repossessed.
Billing Summary : Payment Amount : XXXX USD Payment Fees : + XXXX USD XXXX XXXX Payment Summary : Payment Amount : XXXX which includes a {$600.00} tow fee from XXXX, an hour away from my residency. I would also like to state that my car smelled like cigarettes after picking it up from the impound lot, and I had to get it detailed.
After I was told that I missed the XXXX payment, and that the late fees incurred equaled total payments, not just late fees, I paid the XXXX bill in XXXX to catch up on one month. Every month was always paid since, and I have my bank statements to prove this. I was also told not to pay XXXX 's bill that was coming out of my account the very day that my car was repossessed. I have taken ownership of this automobile and have always paid the payment, whether a week late, but by the end of every month, except for the XXXX payment, which was paid a week later.
I'm reaching out about my car being repossessed since claiming ownership in XXXX of XXXX. After starting my new job in XXXX of XXXX, my company pays twice a month. I started late in the weekly cycle and was not able to pay my bill on time until I was on a pay cycle. I automatically set payments to come out of my bank account and never knew about these late fees. I want to stress that since I've taken ownership of this automobile, I stress highly on making sure bills are paid.
|
| 10/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I purchased a XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXX XXXX it had 3 miles on the truck. So after flying from XXXX to XXXX to pick this Truck up. In which I had a {$75000.00} check in hand that process alone took 2 hours for no reason. This isnt my first time doing this and the process was supposed to take 30 mins or less. Stranded on the side of the road after being only 63 miles from the dealership I noticed the air was leaving the vehicle at a rapid pace. 27 to 25 to 20 to 18 then I pulled over and didnt see a nail in the tire. So I saw a sign for a gas station and barely made it there 18 to 10 to 8 to 2 and thank XXXX I was pulling into the gas station. So after taking the tire off I noticed the tire valve was extremely loose on this brand new XXXX XXXX yes a XXXX! I was upset and missed my XXXX appointment because of this inconvenience. The friendly XXXX rep XXXX wasnt very knowledgeable on the process of the check or how to keep a customer satisfied. I told her what happened and she didnt care. She said call road side ( in which they said a 2 hour wait ), which is why I changed the tire ( that was a struggle )! The truck has been in the shop for leaking trans fluid then oil 4 times.
*** ( XXXX responded about hrs later with the roadside assistance gesture, they knew we were flying out there to pickup the vehicle & they still werent prepared, & friendly XXXX wasnt very friendly & communications were very different after the purchase was completed )!
|
| 02/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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GM Financial is not letting me exercise my federally protected rights. I sent GM a Right to RESCIND letter that they received XX/XX/XXXX, XXXX XXXX signed for it. They have 20 days to respond and send my refund back pursuant to 15 USC 1635 ( b ) and 12 CFR 226.15. They have yet to respond. I called multiple times last week XXXX or XXXX and XXXX the rep told me to give a manager time to look over the document and call back XXXX instead I waited and called XXXX. And they keep sending me to different departments and telling me a supervisor will call me back but haven't called back. I called today XX/XX/22 spoke with XXXX id # XXXX and also XXXX id # XXXX they told me a lead notated the account saying he not dealing with legal matters when this is a letter from me the consumer stating I want to rescind my contract which I have those rights within 3 years because my contract from GM violates XXXX with the no cooling off period and, I have a right to rescind and they failed to disclose that. Once they transferred me to the recovery department I asked for an supervisor again the guy who name I don't have put me on hold for about 10 mins came and said supervisors are not available.
The CFPB also has a table of content with the consumers right to rescind stating that a consumer can exercise there rights to rescind as long as you notify the creditor and is in the 3 year period and I have done both. The letter states clearly I'm exercising my rights to rescind.
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
|
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Vehicle returned to GM on XX/XX/XXXX ( as acknowledged on letter attached ).
GM Financial issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX.
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my GM Financial account.
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by GM Financial.
I called GM financial on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back.
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day.
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm.
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ).
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days.
It's been nearly 9 months and my credit reports with XXXX, XXXX and XXXX still show this account as late payment ( see XXXX as an example ).
|
| 04/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
GmFinacial pulled my credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled my credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX XXXX pulled my credit XX/XX/XXXX ( Was told i wouldn't get a hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX/XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX pulled creditXX/XX/XXXX ( ( Did not authorize this ) XXXX XXXX XXXX pulled creditXX/XX/XXXX ( Didn't Know about this hard inquiry ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX pulled credit XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit XX/XX/XXXX ( Was told this wouldn't be a hard pull ) XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX ( Did not authorize this ) I've tried calling, email and mailing! Phone calls get me nowhere, but told to call the credit agencies, which only tell you to call the company who did the hard pull! Emails get no response. And trying to mail request for removal of inquiries is hopeless.. the address are either old or XXXX XXXX Please help me resolve!
|
| 05/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED. WE HAD AN ACCIDENT XX/XX/XXXX RESULTING IN A TOTAL LOSS AND WHEN I CONTACTED GM FINANCIAL TO INFORM THEM I WOULD BE MAKING A GAP CLAIM THE REPRESENTATIVE INFORMED ME THAT IT WILL BE DENIED DUE TO THE FACT WE ACCEPTED THEIR OFFER OF DEFERRING PAYMENTS ON THREE SEPARATE OCCASIONS. I ASKED WHY WAS THIS NOT DISCLOSED BEFORE AND I WAS TOLD THEY HAD NO WAY OF KNOWING I WOULD BE IN AN ACCIDENT. XX/XX/XXXX THE GAP COVERAGE WAS DENIED AND GAP INSURANCE CANCELED. MY INSURANCE MADE A PAYMENT OF {$8600.00} LEAVING A BALANCE OF {$2600.00} I CALLED GM FINANCIAL AND AGREED TO PAY ANY LATE FEES BUT REQUESTED THE REMAINING BALANCE BE WAIVED DUE TO THEIR FAILURE TO DISCLOSE INFORMATION THAT WOULD FINANCIALLY IMPACT ME. HAD SPEAKING TO SOMEONE WAS VERY DIFFICULT AS THE REPRESENTATIVES HAD NO TRAINING ON HOW TO HANDLE THE MATTER AND WOULD CONSTANTLY INTERRUPT ME AND TALK OVER ME. I WAS HUNG UP ON AND HAD TO CALL BACK A TOTAL OF FOUR TIMES TO GET A SUPERVISORS VM ( THAT NEVER CALLED BACK ) I WAS TOLD TO WRITE A LETTER WHICH I DID XX/XX/XXXX AND THE FOLLOWING MONTH CALLED BACK AND SPOKE WITH XXXX ( ID XXXX ) WHO TRANSFERRED ME TO HER SUPERVISOR XXXX XXXX VM ( STILL NO CALL BACK ) I REACHED OUT TO AN ATTORNEY AND SUBMITTED A LETTER WHICH HAS NOT BEEN ANSWERED. OUR NEXT STEP IS TO FILE WITH SMALL CLAIMS
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX GMFNANCIAL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
|
| 12/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
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Offered an extension of my credit via a credit application on a consumer finance transaction for a vehicle at a delaership. Ive received a letter of adverse action reguarding the reason why stating to be credit score and deliquent accounts. This adverse action is unlawful if not confirmed to be % 100 accurate as the lender has not done its due diligence on the reports as far as Confirmed validation of status- Confirmed validation of transunion, equifax XXXX and experion being a gov. Agency which it is not- Confirmed validation with all records paperwork data and information reguarding these fraudulently reported accounts.
For this adverse action not only am i unfairly unable to dispute on the spot as requested with the dealer being the intermediary party i also am never allowed to speak to the actual official agents who claim to have denied my application. As the consumer, not being able to speak to the direct person involved is extremely frustrating and most unfair as there can be violations done without chance for an oral on the spot rebuttal. And the reference numbers for the adverse action are NEVER properly documented. Everytime i call, they claim to have no information attached to my information to find the reference number for the adverse action letter, and how is it possible to pull a credit report on me then later claim to not have the reference number attached to my information. This is not a clear and honest system for the consumer.
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| 01/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020.
Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.
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| 03/16/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I have a lease agreement with GM Financial. It started in XXXX 2015. In XXXX 2015-GM Financial claimed they did n't receive my XXXX payment. I mailed my payment as I normally did in their provided envelope and with their provided statement. They claimed from XXXX XXXX thru the end of the month -- they did n't receive it and harassed me by calling me at my job and at my home 3 times a day. In XXXX, I made both the XXXX and XXXX payments. My problem is I do n't believe GM Financial did n't get the payment. I genuinely believe they disposed of the payment to illustrate their point that I should acquiesce to their repeated insistence that I sign up for direct debit. The reason this is so important is now they are again claiming they have n't received my XXXX payment mailed to them on XXXX XXXX, XXXX. I have been mailing payments for the last 30 years without any problem. I do n't believe it is statistically possible for XXXX mailed payments not to arrive at their destination with the same creditor. It 's simply not possible. GM FinanciaI has a problem. They are intentionally disposing of the payment, or their quotas for processing payments are so impossibly high that employees are throwing away payments just to keep their jobs. In either case, I am sending my payment in the envelope provided with the payment slip included. In addition, this situation is impacting my credit. I believe this situation would be considered deceptive, abusive, snd unfair.
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| 11/30/2020 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I received an IRS notice XXXX for Tax Year XXXX, dated XX/XX/XXXX, that I have violated my Installment Agreement for Tax Years XXXX - XXXX, and will be charged {$210.00} for each year as penalty and terminate the Agreement. It originates from the XXXX for the amount of {$9900.00}, dated XX/XX/XXXX, provided by General Motor 's Financial/AmeriCredit Financial Services , INC, ( Same Company with two different identities ), for account # XXXX. I am complaining about all the inconsistencies beginning with the initial contract with the Financed amount of {$27000.00} on XX/XX/XXXX, the balance amount of {$28000.00} on XX/XX/XXXX, the balance amount of {$26000.00} on XX/XX/XXXX, and then the unpaid amount of {$29000.00} on XX/XX/XXXX upon being sold for {$16000.00}. I submitted a Dispute to XXXX about the Charge Off amount, and did not received a response from either XXXX or GM Financial. The only document I received was my copy of the XXXX for the amount of {$9900.00}, with box 6 reflecting Code G, for cancel debt, but I believe they needed to use Code C, Expired Statute of Limitation of Debt in State of Texas, due to the time frame submitted, on XX/XX/XXXX, five days to the expiration of debt. I feel the amount is not correct and done in haste. Documents provided through attachments. The numbers don't configure and to weight the outcome of the 1099-C to affect my IRS Account, would cost me dearly if the amount was not correct.
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| 06/14/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/2019 I received an e-mail stating that my payment had not been received for my leased XXXX. As I had set up auto-pay in the past for the full amount due I worried that something had changed with my bank account. Upon logging in to their website I found that they claimed I owed money due to underpayments for the past two months. Those underpayments were now considered " overdue '' despite the fact that I had not received any notification that I was underpaying.
When I called GM Financial their representative stated that I owed the amount I agreed to pay on my lease and made it clear that the website taking the wrong amount was not GM Financial 's problem. I never claimed to not want to pay the correct amount of my lease but rather that the website was taking the wrong amount out. At which point the representative informed me that the shortage was taxes owed on the lease.
The issue here is that I told them to pull what ever I owed them from my bank account at a set time each month. Yes, I need to meet my contractual obligation to pay them but they also need to fix their site so that when I set up autopayment for the " amount due '' it takes out the correct amount. They also need to clean up their communication so that I get notified in a timely manner that my payment isn't sufficient to cover what I owe. Because in my mind I've already met that obligation by giving them my bank account and telling them to take what I owe them.
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| 11/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a truck on XX/XX/XXXX. I reviewed the loan application submitted and it clearly states that my mailing address is XXXX XXXX XXXX in XXXX NY XXXX. We received all written paperwork from GM at that address through XX/XX/XXXX.
A repossession took place on XX/XX/XXXX, I contacted GM on that date to clear this matter. I asked why the repossession had occurred. I was told that payments were late and all mail concerning the late payments had been returned to GM. I told the representative that we did not receive any correspondence and asked what address had the notices been sent to. I was told XXXX XXXX XXXX. I asked why the address was changed from XXXX, she said someone must have changed it. I asked her to review her records and tell me who and when was this change authorized. She said she couldnt tell, maybe the post office changed it. At that point I decided not to pursue with customer service, my main concern was to just get the truck back. I would contact GM Financial later.
I have also contacted their customer service department two more times, XX/XX/XXXX and XX/XX/XXXX notifying them that I have not received my monthly billing statement. The second time I was told the switch had been turned off, she would correct and I would start to receive again. I have not received this either. Prior to XX/XX/XXXX I received the billing statement each month.
I did contact GM Financial on XX/XX/XXXX. To date I have received no response.
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| 08/22/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Context : We have XXXX XXXX ( XXXX ), a very happy customer of the car. Two days back, our tire got flat. My wife was driving the car with my XXXX kids ( XXXX year old ). Luckily the incident happened 1 mile from home, in the XXXX XXXX area.
I was able to reach there after office and got roadside assistance through my insurance along the way. It turns our after waiting for roadside assistance : we do not have a spare wheel, we also do not have the kit to fix flat tire. After calling XXXX customer service : i was confirmed that there should be a flat tire kit atleast.
Fast Forward, next day we towed the car to nearby XXXX XXXX, XXXX dealership. The dealership was very nice and took over the Flat Tire case. They fixed the car the next day XXXX. We also found out in the process that one more tire was bad.
After 1.5 years and <8K miles on the road : the car has gotten into wear and tear. My wife did not hit any pothole/nails during her <1 mile drive from home. In the process of parking the car at a safer place the the tire got little more damaged.
Note : The last we had filled air was 11 months back when we did our 1st year service at the same XXXX XXXX. I am suspecting the diagnostics on the car did not reveal low tire pressure. The dealership also confirmed the air pressure was low.
Claim : XXXX should cover the wear and tear of the Tire and pay for the Fees charged by XXXX service since its a brand new car ( leased from them ).
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| 09/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions.
ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} RESOLVE XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
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| 03/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
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Hello, I applied for a Pre-Approved Auto Loan through GM Financial only. The GM Financial application was sent to a XXXX Dealership. My authorization of the GM Financial application was to only allow GM Financial to use my information and run my credit. However, the chevrolet dealership was able to use my information from the GM Financial application to run my credit at multiple lenders. I never once gave approval for GM Financial to openly allow my information to be passed onto other lenders. The dealership took it upon themselves use my GM Financial application and send it to other lenders. I feel as though GM Financial and myself had a contract between only us. The information I provided on their application was strictly to be used for a loan through them not another lender. The lack of protection of my credit information by GM Financial is carless on their part. Additionally, the dealership is at fault as well. However, that is a separate issue. The key issue here is GM Financial falsely advertised that my personal information would only be used for a loan through GM Financial. However, the lack of control and security of their handling of my GM Financial application allowed the dealership to run my credit through other dealership without ever making a new application.
The dealership information is below as well : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Work : XXXX EXT : XXXX Cell : XXXX Fax : XXXX
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| 07/12/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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On Monday evening XX/XX/XXXX I was awoken @ XXXX by a loud knock on my door. My husband opened the door and was told by 2 men with a flatbed truck stating that they were here to REPOSSESS my XXXX! We called XXXX for assistance as we were well aware that my GM payments were up to date. Upon further investigation we were told that they were to pick up a XXXX XXXX XXXX. I explained to them that I returned this vehicle XX/XX/XXXX and leased a newer one. The 2 men accepted this explanation and left without incidence.
I went to work the following morning @ XXXX after no sleep, due to this intrusion in our lives. I called XXXX XXXX later that day and was told that someone would get back to me, Later I was told the vehicle in question was actually on their lot in XXXX! I asked them to fix the situation and get my name off the vehicle. I was told that " due to covid GM is busy and delayed with all functions. '' I called again Tuesday night for update and was promised someone would get back to me on Wednesday. It is now Thursday evening and I still have no resolution to this problem. The car in question has been on their lot since XXXX, long before Covid! They apparently did not do their job properly! When will this be resolved and will I have to be checking with the credit agencies next?
I have called both companies multiple times without resolve. now my credit is compromised. As of XX/XX/XXXX my credit # has decreased by 66 points.
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| 09/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I purchased a vehicle in XX/XX/2014 through GM Financial. I received my first bill in XX/XX/2014 with a due date of XX/XX/2014. I made my payment timely but was then contacted and told my account was delinquent and I had a payment due on XX/XX/2014, and the XX/XX/2014, was my second payment due. I contacted GM Financial and explained to them that I never received a bill for XX/XX/2014 and the XX/XX/2014 was the first one I received which I paid on time. They told me I was delinquent and had to pay the XXXX payment. I told them it was not my error but theirs and I intended to make my payments on time starting with the one I just made and that they should just consider that Payment 1 since that was the first one they billed me for. They insisted I make the XXXX payment. I told them if I could pay a double payment I'd have bought a more expensive car. I made 3 phone calls trying to resolve this and spoke to supervisors but I got the same response. They insisted I make the payment even though it was their mistake. I finally sent them a letter saying I would continue making my payments timely but I could not and would not make the payment they failed to bill me for. I have now made my 60 payments, every one of them on time, and they still have a balance due because they charged me a late fee every month plus interest. They have also now reported it as late to my credit reports, which they did not do until I made all of my payments.
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| 04/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing.
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days.
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had.
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time.
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
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| 12/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX, I signed an agreement with GM Financial to lease a XXXX XXXX electric car. The agreement was to expire on XX/XX/XXXX.
Based on the agreement, I pay a monthly charge and be entitled XXXXo drive 15,000 miles per year, or 1,250 miles per month.
On XX/XX/XXXX, I contacted GM Financial to extend the lease agreement and GM Financial agreed to extend the lease agreement for two months. With the extension of the lease agreement, both GM Financial and I understood that the allowed mileage will be increased proportionally to be 15,000 X3 +1250X2= 47500 miles. I also paid additional monthly charges to GM Financial for the XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX, I returned the car XXXX day before the new end date of the lease agreement. The odometer read : 48,304 miles.
After that, GM Financial sent me a bill charging me, among others, a milage fee in the amount of {$820.00} ( = ( 48304-45000 ) X0.25 ). This amount was calculated based on the originally allowed mileage of 45,000 miles, but failed to consider the 2500 miles of additional two months of driving.
I paid GM Financial based on the following calculation : ( 48304-47500 ) X0.25 = {$200.00} and also explained the reason.
GM Financial refused to listen to my explanation and also reported this issue to the credit agencies. GM Financial 's capricious business behavior damaged my credit score and impacted my financial activities including my loan application.
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| 06/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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|
Web |
Older American |
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I got an auto loan from GM Financial, began paying in XX/XX/XXXX. SKY high interest rate of 14.27 %. First lie : GM said after one year they'd renegotiate to a lower rate. That was a BOLD FACED lie! They switched gears and claimed " oh we don't do that ''. Then I paid payments and over time I realized they were NOT applying the payments correctly. I asked for an exact accounting of principal vs. interest, GM Financial refused to provide that. I have, over time, due to health issues with my wife, a XXXX XXXX survivor and now complicated XXXX/XXXX had several extensions. Each time I was charged fees, but you can not find anywhere where the fees are applied. I asked, GM Financial refused to respond. Then GM Financial agreed to a two month extension, said paperwork was on the way, but reversed course and did nothing. I have asked about lowering the interest rate as promised, they refused. I have paid, before the XX/XX/XXXX payment, XXXX towards the original loan of XXXX. Of that according to the paperwork XXXX was/is interest, BUT they have charged me XXXX interest. I have been CHEATED out of XXXX. When I asked about this they claimed they could not answer that. GM Financial is running a dishonest operation that scams customers.They stonewall, refuse to show payment breakdowns of payments, refuse to lower interest rates, refuse to give you any explanation of questions. They have fuzzy accounting that is worse than loan sharks.
|
| 07/05/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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This is in reference to the account XXXX ( XXXX XXXX 2012 ) which was under both party names XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, a court order and judgement was signed and indicated that the vehicle was transferred solely to XXXX XXXX. Therefore, making this debt XXXX XXXX 's responsibility. The court order was signed by a Judge of the state of Florida.
On XX/XX/XXXX, I sent a certified mail document along with the original petition where you will find on page 12 of the document under XX MARITAL ASSETS : The parties own to vehicles jointly. Husband shall keep the XXXX and be 100 % responsible for all payments. Wife shall keep the XXXX and be 100 % for all payments. Each party shall keep their vehicle insured as required by law.
This negative remark on my credit report in which you are reporting is hurting my credit score and hurting me from obtaining credit.
I spoke to a few representatives and I provided some the attorney 's information as requested, and no one has made any attempt to contact his law firm. I am considering this vehicle no longer involved in a litigation as I am going to take measure of my own to resolve this.
Since you are stating that your contract supersedes a Judge 's order/court order, I am requesting documentation of contract where it states this.
I am asking that you relinquish my name from this contract. I already fulfilled my account ( XXXX XXXX '13 ) which has been paid in full.
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| 07/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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GM Financial auto-pay does not permit an indefinite reoccurring payment schedule like all other credit accounts. The reoccurring payment end date was created by GM Financial circa 2017 upon the opening of the loan account and not properly disclosed ( after 3 years of GM auto payment for the lease ). After a total of 5 years of reoccurring payments, there was no notification made by GM that a monthly auto payment would not take place. After the payment was missed, GM did not electronically notify me or call to say that the payment did not take place. Two days before the account was going to be 30 days delinquent, a representative left a nondescript voicemail ( saved ), not identifying themselves, or their place of business, only saying to call them back. This was assumed to be a scam call. It was only discovered after speaking to several GM customer services representatives that this was their one attempt to contact me. I only discovered I had a 30 day late account by a credit monitoring email ( XXXX XXXX ). I paid the bill in full as soon as discovering the issue and contacted GM the next day. The late fee was reversed after acknowledgement that this was incompetence on GMs part but my credit report took a major hit due to the 30 day late payment history. Several phone calls to GM customer service management yielded no results to correct the issue. Disputes with the credit agencies havent had positive results either.
|
| 11/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
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I turned in the leased vehicle in late XX/XX/XXXX. Through the lease term, all payments were made timely by auto draft. In late XX/XX/XXXX GM Financial sent me the final billing which included damages noted in the inspection ( inaccurate ), a disposition fee ( per the contract ) and sales tax on the disposition fee. I called to dispute the damages, which was really tire wear. The rep adjusted the charge off because I had paid a damage waiver premium. I also advised her that it California, sales tax is not applicable on a lease disposition fee, referring her to the proper section of the California Revenue and Taxation Code. She referred me to GM Financial Legal, advising me to write my complaint and fax it to them. I did so on XX/XX/XXXX. I remitted the lease disposition fee, without tax, and received no further word From GM Financial. I believed the matter settled.
Recently I attempted to refinance my home and discovered that GM financial reported me late, 3 times, each in excess of 30 days. A rather serious blemish on my otherwise perfect credit history. On XX/XX/XXXX I called GM Financial in an attempt to clear the matter. The rep was insulting and unhelpful and referred me to the Fax communication only Legal Department. I remitted another fax asking to correct their error. I disputed with the credit reporting agencies as well, but seemingly GM Financial refuses to rectify the matter or respond to communication.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
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I was rear end last XX/XX/2021. There was a police report and its not my fault.
I hired the XXXX XXXX to help me because the XXXX insurance at the beginning is ignoring my phone calls. I reported the accident to the GMfinanciaL WHO FINANCE THE XXXX XXXX XXXX also to the XXXX. At first the car is at my driveway waiting for the XXXX to evaluate it. They said they have to tow it to the repair shop. I have no choice except for them to take it and be evaluated. They said it is a totaled car, the representative of the XXXX XXXX I thought is helping me for me to be protected.
They are the one supposed to be talking to the insurance ( XXXX ) company. It took 9 months before I learned that the GMfinancial reported me that my car was reprocessed. I told the GMfinancial that the XXXX XXXX paid them {$5000.00} at first and they still took the car and told me they are going to sell it parts by parts. I told them that car got XXXX insurance and they should pay the difference. XXXX XXXX is the contact representative of the XXXX XXXX and this is the very issue why I hired them for contingency arrangement. I contacted the GMfinancial addressing why put me in reprocessed status when the insurance company should be the one taking care of it plus the law office. Im the victim and still a victim. It disturbed my routine and I can not even qualify for a loan nor refinance because of this reprocession report that the GMfinancial did.
|
| 11/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
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My complaint is about an automobile leasing plan I have with GM Financial ( account number XXXX ) and the frequently in error invoices they have sent me that have led me to make overpayments. The terms of the lease are that the monthly payment is {$230.00} per month plus the CT State taxes that are due once each year.
1. The current invoice from GM is in the amount {$1200.00} that I assume is for the ( $ 237 monthly amount ) + XXXX XXXX taxes of {$560.00} ) = {$800.00}, resulting in an over-billing of {$470.00}.
2. Also, according to my records I was billed twice for XXXX taxes, an amount {$520.00} x 2 = {$1000.00}, resulting in an overpayment by me of {$520.00}.
3. Items 1 and 2 above have resulted in overpayment by me of {$470.00} + {$520.00} = {$1000.00}.
4. The above discrepancies may be due to the fact that XXXX 's automated billing software is still in a beta form of development as evidenced by the following observations : a. The amounts stated by their automated telephone billing service do not agree with the printed amounts received by me via XXXX.
b. XXXX can not explain why these differences exist, except to state that their software is known to be defective. They can not provide me with an accurate manually generated spread sheet showing the charges against my account and the payments I have made, which would allow us to pinpoint where their errors have been made and so that they may be corrected.
|
| 05/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
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This is regarding a double billing by GM Financial ( GM ) and/or one of their California dealers in an auto lease contract, where a Disposition Fee is paid in monthly installments, and then billed again to the consumer at lease-end.
The math : The LEASE AGREEMENT ( Section 5 ) states The amount you will have paid by the end of the lease includes the amount of the Disposition Fee in question. Thus, its part of the monthly payment ( no breakdown available from GM ). Yet, Consumer was rebilled for it ( along with some yet explained taxes ) months after the lease ended. The lease ended in XXXX, XXXX and, according to GM, all payments due and owing had been made.
Consumer has contacted GM ( in writing, in XXXX, XXXX, and XXXX, XXXX ) re-garding this issue, after receiving a notice at the end of XXXX ( XXXX ). Specific instructions to communicate in writing ( to avoid misunderstandings ) have been ignored. Instead, GM blows up consumers telephone line with repeated re-quests to call itnothing else, just call. GM, after numerous Consumers requests, does not dispute Consumers assertion that its a double billing, and otherwise re-fuses to further address the issue.
Consumer received a response from GM ( via CFPB website ) which, in part, states : have Ms. XXXX contact GM Financial at ( XXXX ) XXXX to discuss this matter further. THIS IS A TOTAL NON-RESPONSE TO THE COMPLAINT. Thus, Consumer is refiling the Complaint.
|
| 11/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I was under a vehicle lease agreement with GM financial for a XXXX XXXX Pickup Truck. All monthly payments were paid in full on time for the first 36 months, up until XX/XX/2018 when a clerical/technical error in the GM payment system stopped my payments from being withdrawn from my account.
This resulted in two months of missed payments ( {$530.00} ), however GM Financial claims to have called a phone number regarding this situation that was no longer associated with me. No notification was given via alternative phone numbers or numerous email addresses associated with the account until XX/XX/2018. At that time, immediate action was done on my part to pay the outstanding balance in full.
I then learned that my account was reported to the credit agencies as a delinquent account. I disputed this with GM Financial, they acknowledged that the notifications were sent to a phone number that was no longer connected to me and that no other forms of communication regarding the ceased payments through the GM Financial system. They also acknowledged that the payment was received promptly once I was properly notified, however they would not rescind the notification to the credit agencies.
I was told that they ( 1 ) refused to investigate the issue within the GM Financial payment system, ( 2 ) would not revoke the delinquent notice to the credit agencies, and that no further action would be taken by GM Financial.
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| 04/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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GM financial refuses to release our lien. On XX/XX/XXXX, I sent proof of the cleared check and copies of my bank statement to GM. I was assured our lien would be electronically released XX/XX/XXXX. My husband went to the DMV XX/XX/XXXX, they stated the lien had not been released. My husband 's contacted GM and they stated our payoff was reversed. We supplied for the second time, that the check had cleared our bank and provided statements for a second time. They stated that they received notification from my bank saying the check was not good. I work at the bank. I have proof the check was endorsed by thier institution, processed through thier bank and cleared my financial as PAID on the XX/XX/XXXX. We contacted GM again on XX/XX/XXXX and they refuse to provide answers because they don't make the decisions in " this department '' we have talked to a dozen people since Thursday XX/XX/XXXX trying to figure everything out. The automated system says our loan is paid in full and the title was released on XX/XX/XXXX however they will not tell us why they are refusing to release the lien. We have provided PROOF 3 days in a row that the check is paid. We have contacted the company, and are just short of filing legal action against the company if this does not get resolved. Attached is proof for the 4th time that the check had cleared and my bank statement showing the transaction for the withdrawal of said check.
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| 05/27/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
Servicemember |
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I had a lease with GM Financial from XX/XX/XXXX until XX/XX/XXXX. I made every payment on time with auto pay and never had any issues. I returned the vehicle to the dealership in XXXX of XXXX and double checked GM Financial 's website to ensure that my last payment had been made. I regularly check my XXXX credit score through a couple of apps and everything was normal just recently, my score dipped from XXXX to XXXX unexpectedly. It showed that I had a missed payment, but for the life of me I couldn't fathom what had been missed. I got in touch with a friend who told me about XXXX XXXX XXXX and later this website ) as a way of tracking my credit more directly and getting some answers. It turns out that GM Financial had assessed me with end of lease fees in the amount of XXXX and never notified me. The dealership never said a word, and I had absolutely no idea that these fees were owed. Upon discovering this ( maybe 20 or 30 minutes ago ), XXXX, I immediately logged into the GM Financial website and paid the amount. I asked if they'd be able to help me out and remove this from my credit rating since I've never had any issues in the past and I was literally unaware of the fees, and they said that my only option was to contact the credit bureau 's directly and hope for the best. I'm happy to supply further information as needed, this whole experience has been frustrating, scary, and completely unexpected.
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| 10/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I received an email on XX/XX/XXXX for none payment. I schedule the payments myself when I first purchase the car over a year and a half ago, on GM web-site, to be made the XXXX of every month.
The automatic payment didn't go trough and I did not knew the reason, I used the text service from GM to communicate with a representative and get this resolved. I also use the email service from GM to email a representative and find out the issue. But I was not able to resolve it, as it was like the representatives are either not paying attention to my concerns, or doing something else at the same time ... it was very hard for me to explain again and again the same issue I finally call GM on XX/XX/XXXX at XXXX XXXX, I talk to XXXX XXXX ID XXXX. She was very professional, but for some reason, she did not understood that I was worry about identity theft, after she told me that the automatic payments was cancel by me, the customer.
So, I make a new automatic payment setup, now for the XXXX, because the system didn't allow to go back in order to make the new and now due payment.
I never been late and I'm in top of my credit. I'm worry about been reported as late and also worried about some one else canceling my automatic payments.
I believe now there's two payment setup and I can not cancel any payment because I'm afraid to be late and cancel payment can not be done by any representative. It's very frustrating!
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| 01/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX around XXXX XXXX two guys show up at my home asking if I was XXXX XXXX I told one of the guys yes, he then said that they were here to pick up the car, that I have been paying for almost 2 years now. I told them I don't know what you are talking about I pay for my car every month. next, I proceeded to call to loan company GM finance I was put on hold then transfer to a different department upon speaking to the person on the phone she that my loan was charge was back in XX/XX/XXXX by GM finance I was shocked I could not believe this was happening. I began to ask her if the loan was charged off why is GM finance still taken my monies every month, she said that payment was going to the lease and I would have to give them a total of XXXX XXXX dollars to be able to get my car out of the repo. She then told me that is the only I would be to get my car back but I would still return the car back to them. I never receive any paperwork from GM finance stating that I was behind on my payments nor informing me that they charge off my loan that I have been paying $ XXXX insurance. by Law, if an account has been charge off the company should not be still taken my payments and not apply them to my account. I should be paying a collection company GM finance. also, the account on my credit report still shows that my account is in good standing but only shows two payments on XXXX and all payment on XXXX.
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| 11/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
Older American |
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I took delivery of my new vehicle on XX/XX/XXXX. The vehicle was financed by GMC Financial. The first payment wasn't due until XX/XX/XXXX. I made payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The required payment is {$300.00}. I paid {$310.00} on XX/XX/XXXX and {$320.00} on XX/XX/XXXX. GMC did not apply the overpayments towards principal. I called customer service to find out why. I was told any time I make an overpayment I would have to call them. The average wait time is approximately 20 minutes. I found this process unacceptable. I contacted GM 's executive response team. I spoke with " XXXX ''. He basically told me the same thing as their customer service representatives. He seemed frustrated when I told him this was not acceptable. He gave me his direct # XXXX. When I found out neither overpayment was applied to principal I called his #. There was no answer so I left him a message. He never responded. On XX/XX/XXXX I sent a certified letter to Ms. XXXX XXXX, CEO GM. On XX/XX/XXXX I got an email from XXXX of the Executive Response Unit. She said she just tried calling me. This was not true. I called and spoke to her. She stated GM Financial does not have an executive team that can address my concerns. It should be easy for them to add an option to their payment website to alert them to when I make an excess payment. They don't care because making as much in interest is their " Only '' goal.
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I completed the lease term on my XXXX XXXX this XXXX.
I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance. In XXXX, I received an alert from my XXXX XXXX monitoring with a 30 day derogatory on my credit report. I call GMC Financial again and they said they would correct it. There were notes in the system from my previous calls already. They said they would fax me a letter to confirm and they never did. Again, in XXXX, I received another alert saying I was 60 days late for {$30.00} to XXXX XXXX. I called them again and they confirmed the notes in the system and agreed they were correcting the matter. They said they would fax me a letter and again, they never did. I've called and complained two more times after and finally I received a faxed letter saying I have never been late. See Attached.
Yesterday, I was denied a my new lease vehicle because of the incorrect late payments reported by GMC Financial. GMC Financial ruined my credit and the ability to buy a new vehicle. The new leasing company is requiring XXXX down payment as a result of these recent late payments. GMC financial has affected my financial livelihood with their negligence and poor customer service.
This is disheartening.
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| 11/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
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Web |
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As of XX/XX/2021 I have filed a complaint with GM Financial case number XXXX ( XXXX ) about a fraudulent contract that was received and accepted by XXXX XXXX XXXX XXXX XXXX This puts me and GM Financial in a litigation process. Since then GM Financial has repossessed my vehicle violating me under the FDCPA 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure.
FROM THE CODE I HAVE PROVIDED YOU CAN CLEARLY SEE THAT EVEN IF I DONT PAY THE DEBT THEY ARE NOT ALLOWED TO REPOSSESS MY PROPERTY. They have hired an uninterested 3rd party by the name of XXXX XXXX XXXX to repo my vehicle while in litigation. I need this information for the purpose of using exhibits while in court with GM. I also need this exhibit to help with amending XXXX XXXX XXXX to the case I asked them to provide me with the order for the repo all they gave me was the name of the Lien Holder which is GM. I have provided a Lien search Certificate from the Secretary of State of California and as you can see there is no Lien in my name. GM Financial and XXXX XXXX XXXX is committing fraud here. This isnt a duplicate complaint this is more information provided for the CFPB that the crime was in fact committed. I am demanding a response from GM on why they have repossessed my vehicle if federal states even if I dont pay they are not allowed to.
|
| 04/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Gm financial once again reported to credit bureau about my account even though they have sold my account to a collection again This an attempt to destroy me by a XXXX manger in XXXX North Carolina because we got in to an argument. We had made arrangements about the payments on the vehicle. The next day he repossessed the vehicle. Then he promised me that I wouldnt have to worry about it being on my report. He said if it did appear he would remove it. I said wait a minute you telling me if this appears on my credit report you will remove it.I asked him that because I dont trust no one I mean no one not even my mother. He said yes thats a easy fix. Well that easy fix has cause me nightmares. It has cause me nearly one hundred points since XXXX. I will be contacted my uncle who is U. S. Senator to let him know that how I am being treated and what this credit bureau is doing to me. No wonder theyre talking about abolishing the three credit unions. Because if they let whats happening to be everybody in this world that is a shame. Well not everybody just XXXX and XXXX. I also will contacted the U.S.Congress OF These United States of America to let them know about the injustice people of XXXX are experiencing with these three Credit Bureau. It is a shame I fought for my country. Im a 100 % XXXX Veteran and I have to experience this type of horrible treatment from the credit bureau. This is the year 2021.
|
| 10/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
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On XX/XX/XXXX I called in to speak with a supervisor about my payments. I advised that I was going to make a {$50.00} payment online as well as a {$330.00} payment because there were no extra fees. I also stated that I was on a break and did n't want to be late going back. The representative was very rude and told me that I was very late behind, and I needed to pay after work. I called back when I got off at XXXX and spoke to another supervisor, and was told to just go online and set up my payments. I assured her that I would do so and I did right after our phone call. On Monday, XX/XX/XXXX I checked my vystar balance and saw that my account was overdrafted. I immediately called my bank and was told that GM Financial tried to withdraw {$330.00} plus a {$10.00} processing fee. I was so angry but worried as well because this was never authorized. I immediately called Gm Financial and spoke to a representative named XXXX, who informed me she would do all she could to help. XXXX placed me on a very long call and asked why did n't I just tell my bank that the payment was unauthorized. I explained that I did and XXXX stated that she would need to place me on hold and never came back on the line. GM Financial is a very unprofessional company my bank has waived all my fees but now I have to pay for a stop payment and that is not fair. I always have to ask for a supervisor and the attitudes are unreal.
|
| 02/11/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
Servicemember |
|
I leased a XXXX XXXX at the end of XX/XX/XXXX. The lease ended XX/XX/XXXX. All payments were made on time. I leased a new XXXX XXXX in XX/XX/XXXX and was told I would not pay a disposition fee on the XXXX car. When I attempted to return the XXXX car at lease end, XXXX XXXX in XXXX XXXX, CA refused to accept the car. GM XXXX also refused to accept the car due to the covid pandemic. I made over one dozen calls and emails to XXXX to no avail. I had to store the XXXX XXXX and pay insurance on the car against theft or damage. In XX/XX/XXXX I was contacted by GM Financial and they made arrangements with me to pick up the car at my home. After the car was picked up I received a bill from GM for a repossession fee and a disposition fee totaling {$710.00}. After repeated phone calls to The Lease End Dept, I gave up. GM Financial subsequently sent a " Charge Off '' to the credit unions and lowered the credit rating on my credit and my husbands credit over 100 points. I decided to file a small claims case against GM Financial XXXX. I contacted the Secretary of State to find the GM Agent for Service in Calif. All of the previous GM agents are suspended and there is no agent at this time. The Secretary of State legal dept could not help. I called the legal dept at GM Financial on XX/XX/XXXX. They said I would receive a call back in 24 hours - but no call came. I need to find someone to serve for my case.
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
A vehicle lease was opened fraudulently in my name, I contacted XXXX first and they verified the account as accurate and told me to contact the furnisher. I made a complaint to the consumer financial protection bureau about XXXX and contacted Gm financial directly. I sent them a letter of validation as required by the financial credit reporting act requesting all the documents with my signature and matching identifiable characteristics. Please note : I never received what I asked them for, instead they sent me a fraud packet to fill out and a list of identity documents to submit which included. Birth certificate, copy of social security card, drivers license, passport, phone bill, police report. This dispute has been going on for over 1 year and a half with no corrective measures taken. This XXXX I received a letter from Gm Financial stating that their records indicate a credit application was submitted fraudulently in my name by XXXX XXXX and is invalid due to identity theft. This letter also stated that the account will be removed within 30-45 days. I have since contacted Gm financial being that 45 day period expired to inquire about the account remaining on my report and they denied having any knowledge of any letter that was sent to me regarding the removal of this fraudulent account. Below I have attached the actual letter and envelope it came in, please take note of the dates on both.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My wife and I leased a XXXX XXXX in XXXX of XXXX. We paid the lease on time for 39 consecutive months until XX/XX/XXXX when we turned it in. The vehicle was immaculate but we went over the miles.
In XXXX, they sent us a {$5300.00} ill for the vehicle. Mileage fee, Registration fee, Dealer Prep fee and {$950.00} dollars of " damage '' which based on the pictures they sent appeared to be minor scratches which the dealer never mentioned when we returned the vehicle. We disputed ONLY the " damage '' and they refused to adjust it and they reported the account as " Charged Off '' in XXXX. In late XXXX, after at least ten calls and at least 5 hours combined of sitting on hold, I finally got an agreement to drop {$270.00} off the {$950.00} " damage ''. I made my first payment of {$850.00} on XX/XX/XXXX and my final payment of {$1000.00} on XX/XX/XXXX ( grand total {$5100.00} paid with then removing the {$270.00} ).
I have called them an additional 10 plus times and even have a letter from the indicating the account had a XXXX balance as of XX/XX/XXXX. They, however continue to report my account as a charge off ( it was paid off and was not a settlement ) with a {$270.00} balance remaining. I have already lost a full percentage point trying to refinance my mortgage waiting for this to be resolved. This seems completely unfair that they can leverage their financial might against consumers unabated.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As of XX/XX/XXXX the balance on my GM Financial Auto loan account was {$770.00}, this has been the balance since XX/XX/XXXX. I have asked GM and XXXX several times to update the amount. Since XX/XX/XXXX XXXX shows my balance was {$2300.00}. This information is incorrect! This is the balance XXXX still shows I owe. I have disputed this amount numerous times with XXXX and GM and they never updated my credit report. Note XXXX and XXXX completely removed this account. I have sent XXXX proof of my payments and they still updated nothing. On XX/XX/XXXX I paid this account in full by paying the remaining {$770.00} due on this account and XXXX still refuses to update or remove this account saying GM financial keeps telling them the {$2300.00} is still due, is past due and no payments have been made since XXXX and they state GM financial validated this despite numerous phone calls, web messages to GM and several letters with proof of payment sent to XXXX proving I paid but no one for years will listen to me and it caused me to not get a mortgage I needed and has adversely effected my quality of life and I demand answers! No person should be held XXXX via a company lying to the credit bureaus lowering humans credit scores, no one deserves the torture GM and XXXX has put me through. I want every copy of documents relating to the validations to the investigation and re-investigations XXXX sent to GM.
|
| 06/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have made my payments to GM Financial for 36 months. My lease was up on XX/XX/XXXX I want to buy my car and have been approved for a loan to buy it at a credit union. On XX/XX/XXXX, I paid my XX/XX/XXXX payment through XXXX on my XXXX Account. I have paid my loan this way several times. The money was taken out of my account and applied to the wrong account at GM. It was determined at XXXX that the loan number was off by one number. The payment had always had the wrong loan number on it so it must have manually been applied. I have talked to GM at least 15 times and XXXX 6 times regarding this issue. I have been told numerous times that someone was working on it and would call me back. No one has ever called me back. I have never been given a phone number and name of someone who was handling this complaint. I have not had anyone work on my behalf at GM. I have spent HOURS of my own time trying to chase down this payment. I paid my XX/XX/XXXX payment in XX/XX/XXXX so it wouldn't be reported to the credit bureau. GM has been provided proof from XXXX more than once that the payment was made and it is still not rectified. I receive 3-4 phone calls a day from GM telling me that I'm late and asking if I want to make a payment. I owe them nothing else but the car is still in my possession b/c I want to buy the car. I need help getting this resolved and ALL fees associated with it refunded!!
|
| 05/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
In XX/XX/XXXX my ex spouse and I were purchasing a car, where GM financial required me to co-sign on the loan. In XX/XX/XXXX we split and I called GM to take my name off of the car loan as I was not a primary borrower. For a while account was not reporting on my credit but my ex let the loan go and the car was sold out at the auction. GM tried to go after me for a balance as they claim and up to this date they are harassing me with calls and letters trying to collect on the account which is NOT mine. I requested a validation of debt and they fax me a copy of XXXX stating that debt was a charge off and they filed a XXXX in my exs name. However, they are trying to collect on this charged off, cancelled debt from me in the amount of {$12000.00}. I disputed this account with all XXXX credit bureaus, however GM is still reporting this account with outstanding balance, which is hurting my credit report in a major way. They are refusing to report the balance to be {$0.00} even though it is a charged off, and cancelled debt with XXXX filed to IRS, and they are refusing to remove this account from my credit report, which it should not be reporting in first place since I was NOT a primary borrower on this car loan. I have written XXXX letters to GM by now and have called several times and all my cries and requests for deletion of this unfairly and un accurately reporting account went ignored.
|
| 04/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/XXXX, GM Financial, received a check for the pay off for my vehicle. Stated that they needed 48 hours to process a pay-off letter after the check cleared the bank. Let them know that I needed this letter just as soon as possible as I am trying to purchase a home and my mortgage broker needs it. A week passes by and I call to get said letter. Stated I would have it in 2 hours. Call that evening, stated that I was told wrong and they needed another 48 hours. Call daily for the next week with the same story. Then I am told that they can not send me a letter via email ( I was never told this they kept telling me they would email it over ) because the loan had been closed out. We play phone tag for another week as I am waiting for them to send me said letter via fax. Yesterday, XX/XX/XXXX, I called and was told that every one of those requests were DENIED because I had to wait 30 days until the check was past the timing that a check holder could cancel the check. Stated that on XX/XX/XXXX I would be able to get the letter. I called XX/XX/XXXX and they stated that they were now waiting on title paperwork on this vehicle.
My point is, this is the absolute WORST customer service. No one knows their regulations, rules or what-have-you. This is the biggest disaster I have ever seen in my life and if I had done my research before I accepted a loan with GM Financial- I would have ran.
|
| 11/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account : GM Financial # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK.
Dispute Letter Mailed to XXXX, XXXX and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to GM Financial for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs.
Supporting Documentation Provided to XXXX, XXXX and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To Gm Financial regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Section 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty
|
| 09/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX 2017, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from GM financial and the other from XXXX XXXX. However, I noticed a month later that XXXX is showing a second hard inquiry from GM Financial on XX/XX/XXXX2017. I contacted GM Financial and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact XXXX. I contacted XXXX and was told to get a letter from GM financial in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. GM financial will not send me a letter Because they 're saying they did n't request my credit report on that date. XXXX is not removing the inquiry stating that I need a letter from GM Fianncial. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from GM financial on XXXX XXXX 2017 to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. Thank you.
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
GMFNANCIAL is reporting incorrectly that I am 30 days past due on partial account number XXXX ( please see page 12 of the attached credit report ). I was XXXX at this time ( copies of orders attached ). Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below.
Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, PCS OCONUS, or deploy OCONUS for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on active duty Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc.
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.
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| 07/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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My vechicle payments were applied to a loan for my previous vechicle, which I no longer owned. I had to figure out where the payments went on my own, and explain this to GM finiancial, since GM finiancial had introduced a new computer system, and had major problems. I have phone records and email correspondence proving that I was adamantly pursuing a solution. Once found, GM promised me that the descrepincy would not affect my credit score while they mailed me checks back so that I could reapply the money to the correct account. Checks took over 30 days to get back, whick delayed my payment. I asked GM finiancial specifically about how this would affect my credit, and was assured the payment would be reported as on time, sine they had the payment to the wrong account would have been on time to the correct account. I would have made extra payments to avoid this damage on my credit report if GM finiancial gave me accurate information that I asked for. Customer service was absolutely unacceptable through all of this, and I had no problem overlooking it as long as my credit was not affected negatively. At no point in all of this could I stay in contact with the same representative, and the representative could not find previous notes for the situation on my account. Everytime I would call, I had to start from the beginning, explaining the situation to the representative.
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| 03/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I called GM Financial on Monday XX/XX/XXXX to cancel my auto pay for my auto loan. The representative I spoke with said the system was down but would submit the request and it would be updated within a couple days. I called back on XX/XX/XXXX to confirm the request had been made and when speaking with the representative she advised me that it hadn't but told me she would get it done and assured me the payment would not be drafted from my checking account as I had contacted them in enough time to have it stopped. On today XX/XX/XXXX i accessed my online account to see if the auto had been stopped and i discovered it was still active, which means the payment would be drafted out of my account on the scheduled due date of XX/XX/XXXX I immediately called GM Financial and spoke with a Representative about the issues she then advised me that it would take 10 business days to get it cancelled which contradict everything the previous associates told me as well as what is stated on the company website. I asked to speak with a Manager after 10 mins of hold I spoke with XXXX who acknowledged that i was told it would be cancelled but since it wasn't it was nothing she can do and advised me to put a stop payment on it through my bank which will cause me to have additional fees. my bank is going to charge me XXXX dollars to put a stop payment on my account. TOTALLY UNACCEPTABLE
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I was offered a settlement of XXXX dollars ( which I paid ) to settle my account with GM Financial. I also have written documentation that states " our client ( gm financial ) will report the account has been resolved for less than the balance '' ( XXXX XXXX ). Instead of reporting the account accurately, they reported my account as if if I STILL HAVE A BALANCE DUE ( XXXX and XXXX XXXX ). This mistake dropped my credit score XXXX pts. I disputed this, reached out to GM Financial regarding this and within a week they reported the account as " XXXX missed payment '' and that my payment is currently late ( XXXX ). THIS IS AN INACCURATE report and a FCRA violation in which they fail to understand. This second mistake caused my credit score to drop XXXX more points ( IMG XXXX ). This makes XXXX sense IMPORTANT FACTOR : This account was charged off XXXX yrs ago in which I already took a hit to my credit for at the time.
There is no way I should be penalized XXXX times especially after paying the agreed upon settlement. In the least bit XXXX shouldnt have lost any points.
Since I paid the settlement balance and have in writing they would report the account as being resolved, I am looking for Gm Financial to erase this account off of my credit report returning my credit score back to normalcy. If Gm fails to resolve this I have no problems getting lawyers involved.
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| 08/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I have contacted GM Financial twice a week since XX/XX/XXXX pertaining to the return of an unpaid check from my credit union to purchase the vehicle. I unfortunately did not follow the stipulations of the loan, pre-approved checks can not be written to a lender. I need to purchase a vehicle and settle my account with GM Financial. I can not receive another check from my credit union until they have possession of the original check, a Legal Copy 21 of the check ( that can be retrieved from their bank, no photocopy ), or a statement from them confirming they will not try to resubmit the check. I have signed a letter of indemnity for the check on behalf of XXXX, but that is not sufficient to clear the matter. GM Financial is responding like my request is absurd. They are claiming to no longer have the check, the check was shredded, we never send return checks to customers, we are on a new system and the old system will have your request, no one has access to the old system, there is no phone number for the accounting dept., my request must be directed to their legal dept., legal dept. does not have a phone number ( fax only ). I was told to email and fax their resolution department. The resolution department emailed me requesting to call for further assistance. I called and was told the same thing again. I was told to fax their legal department. I am still waiting.
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| 01/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I paid off my vehicle loan thru GM Financial on XXXX XXXX, XXXX. I still have not received the lien release, so I called today and got the run around. They show a letter was mailed out on XXXX XXXX, XXXX. However I never received the letter. They refuse to send out another lien release, instead they are blaming the snow ( seriously, XXXX times they blamed the snow, which came AFTER the letter was mailed. Snow has magic powers on the XXXX apparently ). I had to demand repeatedly to speak to a supervisor, and she directs me to a website GM runs that I can request the letter for a {$23.00} fee. That lien release is required in their contract with me, and yet they are first giving me the run around and then when I do n't just hang up and go away, they instead try to shake me down for more money. They spent the life of the lease shaking me down for additional fees for everything from making payments to getting copies of the title faxed to attorneys to getting to talk to a live person about my account balance not being correct. Now they will not provide me with that lien release unless I pay an additional {$23.00}. I have no other recourse as I have to have that letter in order to get my copy of the title. I want my lien released, I want my proof of that lien release, and I am not paying GM Financial another cent for them to do what they are required by law to do.
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| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
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On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
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| 08/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I paid off a lease and bought a XXXX XXXX from GM Financial in XX/XX/XXXX. Months later I received multiple calls about owing them {$190.00}. I asked to receive an itemized invoice of what was owed, and stated that I would pay it if appropriate. I received multiple explanations over the phone, including the first representativee I spoke with telling me it must be a mistake ( which I thought plausible with this company as it took me 4 months to get the title - I will not detail that runaround ), to I can't tell you what it is for, to it is for property tax paid on my behalf ( yet they were not able to tell me who they paid the property tax to and for what period of time ). To this date I have not received any documentation as to whom they paid or for what time period. I moved to XXXX, VA in late XXXX and paid a property tax bill from them last year and I shared those details with GM Financial. I have attached an account statement from XXXX, XXXX saying my balance with GM Financial was {$0.00}. It was after this time that I began to get calls demanding payment. I have also attached the limited invoice that I ultimately received in XXXX, XXXX, and to which I begrudgingly paid, that still had no detail as to why I owed them money. Nonetheless, GM Financial reported my delay in payment to credit agencies earlier this year, negatively affecting my credit rating.
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '.
GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected.
There are also articles online where GM Financial admits having issues with their payment system when they updgraded in XX/XX/XXXX.
I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system.
Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received.
I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.
|
| 11/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with GM Financial. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from GM Financial has been inadequate and nothing has been resolved or corrected on any of my credit reports.
There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from GM Financial. My credit score is being penalized for having 6 late payments reflected on my GM Financial account, which is completely inaccurate and false misleading information. GM Financial reported to the credit burea
us that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.
|
| 09/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I took out a lease in XX/XX/2019 on a XXXX XXXX with GM Financial. I have paid all payments on time under auto-pay. For some reason, it seems that GM Financial has a bad and malicious business practice of automatically ending auto-pay 1-mo prior to lease end. In short, I ended up missing the payment and did not realize this was an issue, until I received a notification from XXXX XXXX that a negative mark had been registered on my credit history.
In this case, my plan was also to extend the lease and continue paying, which is what I have been doing ( all on time thereafter ). They will say they it's in the fine-print or they sent emails saying that my balance is coming due. Unfortunately, I received these same emails when auto-pay was active so it's think nothing of it assuming that auto-pay will take care of it. In my opinion, this is an unreasonable expectation for a customer to have to manage and has no valid rationale behind it.
I have tried contacting GM Financial several times thereafter to request the mark be removed for the reasons described above and that I'm a well paying customer. Unfortunately, they said they could not help and recommended trying a dispute or making a complaint on CFPB. GM 's own customer service professionals note that this is unfair, they don't know why GM is doing this, and that this affects many customers everyday.
|
| 05/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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I paid my car payment with GMC Financial for XX/XX/XXXX payment on XX/XX/XXXX. It was the 30th day, but it wasn't past 30 days. I was reported 30 days past due. I also called and made payment arrangements for the XXXX payment and stated that it will be past 30 days and I would pay on XX/XX/XXXX. I did pay today. It is very stressful dealing with anxiety from COVID 19, not being able to receive income from second job to help pay bills and worry about credit reporting 30 days late when my XXXX payment was entered on XX/XX/XXXX, that's the 30th day. How could I be reported 30 days past due. They sent me a letter stating that nothing was reported late, but I am looking at my XXXX credit report online with XXXX and it is showing past due. Also, I thought according to the Care Act, if I made arrangements with my credit, they could not report me late. GM Financial reported me late for XXXX also. I was not late in XXXX and they told me that I would not be reported late in XXXX. GM Financial have been reporting incorrect information or no information at all since I have had this account. I am also reported late in XXXX and XXXX but I was on an extended payment plan and was told when this became in effect that I would not be shown 30 days late. I have been written letters that have not aligned with my credit report status. Something has to be done about this.
|
| 05/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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On Saturday XX/XX/XXXX I called XXXX XXXX to make a payment for XXXX 's payment as it was due before XX/XX/XXXX on Monday as it would be consider late. The lady said I qualified for a payment deferment and I said great and next payment would be due XX/XX/XXXX. The lady mentioned she completed for XX/XX/XXXX and took payment for the interest. I had ask the lady that if my payment is due on the XXXX would it be considered late. She said no since I did the deferment on the XXXX and took payment for the interest ( which came out of my account on the XXXX ). On the XX/XX/XXXX I received a alert from XXXX XXXX that I was 30 days pass due on my XXXX. I called right away to XXXX XXXX and asked them why this was done. They said they see that the deferment was done on the XXXX but the interest payment was taken out after the due date so it's considered late. They said to dispute with their department and I did but they did not see a dispute???? I asked the lady who made the payment deferment and she assured me since it was done on XX/XX/XXXX it would not ( which I trusted since it was before the date needed to be made ). This is an error on XXXX and customer service rep who seems as they did not know their process on payment deferment. Or I would of just made my payment on XX/XX/XXXX if that was the case. Please remove lates for all three credit reports.
|
| 10/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I entered into an agreement with XXXX XXXX the company that GM financial hired to collect a debt for a vehicle that was reposted. The agreement was to make three payments in the amount of {$1400.00} totaling {$42000.00} to settle and close the account. Payments began in XX/XX/2019 with the first payment in XX/XX/XXXX, second payment in XX/XX/2019 and the final payment was made in XX/XX/2019. I received a letter from XXXX XXXX XXXX via email and standard mail stating my account has been resolved and closed in XX/XX/XXXX. I contacted both XXXX and GM Financial to have the information updated correctly.
My issue is the information that GM Financial is reporting to the credit bureaus does not accurately reflect the agreement made between me and XXXX XXXX and it also indicate son my credit report that I still owe GM Financial {$6300.00}. I made three payments in XX/XX/2019, XX/XX/2019 and XX/XX/2019 on time as agreed with XXXX XXXX however GM Financial reported all three of those payments to the credit bureaus as a failure to pay. Currently the account on my credit report also indicates a past due balance of {$6300.00} despite the fact that I have resolved and paid the full amount all involved parties agree to.
I am requesting that GM Financial remove the account in totality from my credit report with all three crediting reporting agencies.
|
| 09/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX there is a hard inquiry by ( gm financial ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me.
XX/XX/XXXX ( XXXX and XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXX ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX card ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it
|
| 07/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
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I am the cosigner of a vehicle that was leased through GM financial. The account number is XXXX. The lease was terminated early and I was NEVER NOTIFIED of this said termination. I was not sent any information from the dealership or from GM financial. This is illegal to not notify me of a lease termination. I was receiving monthly bills during the lease to ensure the payments were being made on time. I received notification via email through my credit report stating that the said account was closed and that there was a {$0.00} balance on XXXX XXXX, 2019. On XX/XX/XXXX I received an email stating that on my credit report that the account was re-opened with a balance of {$4800.00}. The account was finalized on XX/XX/2019 but I was still NEVER NOTIFIED of any of this. GM financial should have notified me of the closing of this account as well as a remaining balance as it is their vehicle. The primary on the lease should have never been able to trade in the car or walk away without paying the over mileage or the last two payments on the lease. This was all done without my knowledge. Someone XXXX up and dropped the ball and now they are re-opening a closed account. I have the emails stating the closed account and the {$0.00} balance. THIS IS ILLEGAL TO HAVE NOT NOTIFIED ME!!!!!!! I have called an attorney as to the legality of not notifying me.
|
| 07/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We leased a vehicle in XXXX of 2015. Part of the incentive was that the dealer would make the first payment of the lease. When we arrived to pick up the vehicle, we were informed that due to " credit '' issues ( which were not elaborated on ) we were required to pay an additional {$500.00} ; This was only disclosed when we arrived - not before. Since it was too late for us to change our mind, or get another vehicle elsewhere, we decided to pay the {$500.00} - HOWEVER, when they actually added up the invoice, they added yet another {$500.00} and then denied that they did so. We had to call the manager to re-calculate - and she then advised that we were right, and there was another {$500.00} added that should not be. Apparently, The dealer never lived up to its promise of making the first payment on our behalf - which was the original incentive for us to lease the vehicle. We set up 23 payments ( the lease was for 24 ). ALL OF WHICH WERE ON TIME OR EARLY. now GM FINANCIAL is reporting that I have a late payment on my credit report - which is NOT ACCURATE. I spoke with " XXXX '' at GM Financial who claims that she can not fix the credit report for at least 30-45 days, and only if she gets a letter from the dealer. My credit is very important to me, and I need to get this corrected, but my complaints are falling on deaf ears. Please help.
|
| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.
Thank you for your prompt attention to this matter.
|
| 11/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My auto loan payment was due on XX/XX/XXXX. I missed that due date but ended up making my payment for the months of XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of XXXX. I used the link provided on the website when I logged into my GM Financial account, selected payment option for electronic check, and submitted the payment. I received a confirmation from XXXX XXXX XXXX XXXX that my payment had bee submitted. A couple of months later while reviewing my credit reports, I noticed a major drop in my credit score and that the account had been reported as a 30 day late. I initiated a dispute because I believed my payment made it in time. The results of my dispute were not satisfactory to me. I left it alone and refinanced the loan with a different bank. Recently, I initiated the process of trying to obtain a home loan and the lender advised me that my GM account was an issue that needed to be resolved. I reached out to XXXX to request they remove the late and the response was once again negative. I still have the derogatory marks on my credit report stating I 'm late on payments which has decreased my credit score. This has caused me to get credit and loans over the past 2.5 years at higher interest rates than I would have if the information was accurate. I am getting the runaround from GM Financial and no resolution has been given.
|
| 09/02/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I discovered in XX/XX/2018 I was reported as having missed a payment in XX/XX/XXXX and XX/XX/2018 on my leased vehicle through GM Financial. I had automatic payments set up through the GM financial website. I verified through my bank statements that I made my payments on time. I went on the GM website and discovered that my XX/XX/XXXX statement was not on their website and was the only month missing. I looked at my payment screen and it showed my account had no past due amounts. I contacted GM financial multiple times and they stated I owed back taxes from where I previously lived in Virginia. However there was no XX/XX/XXXX statement to reflect this and their website ( payment screen ) didn't reflect I owed any taxes. So I was not aware of this until I inquired about the matter in XX/XX/XXXX. The customer service agent for GM financial stated they could place a corrective letter to my credit report. This matter has still not been resolved as of XX/XX/XXXX. I feel it's unfair to penalize me for payments I was not aware of and from a statement that doesn't exist on their site. These are the only negative remarks on my credit and dropped it 70 points. I would like GM financial to honor their word that they would fix my credit, update their website to reflect what I truly owe in a timely manner, and maintain all of my monthly statements.
|
| 06/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
In XX/XX/XXXX by daughter was in a car accident and her car was totaled. She was not hurt. GM was informed of the accident and our insurance company paid their portion of the loss {$10000.00} and it was credited to the account on XX/XX/XXXX.
XX/XX/XXXX - I logged into my account and had an online chat where 'XXXX ' stated the account was paid in full. ( see attachment ), so I thought our obligations were complete.
I followed up a few more times and each time GM told me they were simply waiting for GAP insurance to process, but my account was fine.
XX/XX/XXXX - My credit bureau report was hit with a late payment.
XX/XX/XXXX - I called GM and spoke with XXXX ( id XXXX ) and she informed me that I was late on my payments. This was the first that I had heard the account was not in good order. XXXX admitted GM 's systems were not showing accurate information but I owed $ XXXX/mo until GAP insurance was received. This was the first communication from GM telling me this, and their on-line site did not show this information.
XX/XX/XXXX - My access to the on-line GM portal was shut down, and I was told that in order to make a monthly payment via phone, GM would charge me an additional {$10.00}.
I was also told that my daughter ( the other co-signer on the account ) still had access on-line. This was not true either ( see attached )
|
| 04/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I called on Tuesday, XX/XX/2019 and requested a deferment ( XX/XX/2019 and XX/XX/2019 payments ) due to a financial hardship. I spoke to a lady and she read the deferment agreement and informed me of my pin number, XXXX, and informed me that I would be emailed a deferment acknowledgment and I need to acknowledge within 24 hours as the pin expires.
I received the email on Wednesday, XX/XX/2019 and I completed the acknowledgement from my mobile device and I landed on the " Document Acknowledged '' page.
On XX/XX/2019, I received an alert that GM reported my XX/XX/2019 payment late. I called on XX/XX/2019 to figure out why, and the representative stated that the deferment was abandoned. I was confused as I completed the acknowledgement on my phone and that is when she informed me that I couldn't use a mobile device. She said that she would have to reset it up.
I received a new pin, XXXX, and I completed the acknowledgement again, this time, on my laptop.
I am requesting my credit is updated to current as this is an UDAAP violation as I was not informed that I could not use a mobile device on XX/XX/2019, nor when I completed the acknowledgment on XX/XX/2019 was I notified that it was not successful, therefore, misleading me to believe I completed the deferment successfully.
Please call me at XXXX or email me at XXXX to discuss.
|
| 10/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchased a car on XX/XX/XXXX, financed through XXXX XXXX for {$15000.00}. As part of the purchase, I got GAP coverage from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , IL XXXX.
On XX/XX/XXXX I was involved in a collision where the car was totaled. My regular car insurance paid {$5200.00} and the GAP coverage paid {$3100.00}. Per the paperwork I 've included, the GAP contract amended my loan contract so that " in the event of a total loss my lender agreed to accept my physical damage insurer 's settlement, as of the Date of Loss, as full settlement of your loan account. '' Date of Loss is clearly stated as XX/XX/XXXX.
XXXX XXXX has issued derogatory information on all three of the major credit bureaus, forcing me to get a terrible interest rate on my new loan for my replacement car. They are saying I am 90 days late and recently marked my account as a Charge Off. They have given me no reason why my GAP contract is void other than saying over the phone " You should made sure the GAP payment came faster. '' How can they say this when my GAP contract clearly states the original loan contract has been amended?
I sent this identical information to XXXX XXXX XXXX XXXX and they have been virtually unresponsive. The only response I 've gotten to the disputes I 've sent them was that they are unable to use the documents I 've sent them.
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| 10/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX, my vehicle was reposed from my home. The last payment made to GM Financial was on XX/XX/XXXX. GM Financial charged off my account as on XX/XX/XXXX and placed a note on my credit file that my vehicle was affected by a natural disaster ( XXXX ). I never received a letter for a right to cure, a phone call, nothing. I personally have been reaching out to GM Financial after I made my last payment to find an additional XXXX months have been added. I started my loan on XX/XX/XXXX. During years there were XXXX deferments, which I'm being told is XXXX payments. My loan end date was changed from XX/XX/XXXX to XX/XX/XXXX which would include the XXXX payments. XXXX XXXX that is not correct. Even though my loan was extended by 8 months, I still have XXXX months of deferment payments to complete after the loan has ended which is a total of 16 months.
I have sent several certified letters to resolve this matter and XXXX verified today that the letters were received but no one called me or the attorney to discuss the matter. There are several payments made where it applied XXXX payments to XXXX month and on XXXX there was XXXX payments made but only counted as XXXX payment. Now today GM Financial reps, compliance reps, and managers refused to allow a payment to be made so I can retrieve my vehicle and handle this matter legally.
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| 09/13/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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Ridiculous. Im a fastidious monitor of my credit and have always had everything in order, until about on or about XX/XX/XXXX, when I got a monitoring service notice that negative information had been posted. I see it is @ gmfinancial has said Im 30 days late for a payment. I had a GM lease and turned it back in on time the first of XXXX and had been waiting for the final bill. Well calling GM on XX/XX/2019, I was told revealed that it was this final bill that was recorded as over 30 days delinquent. I told them I had never received a bill and they admitted that it had not been sent yet but if I wanted to pay it over the phone I could, which I did. They then said they would correct their mistake and take the ding off the credit report. Called them again on XX/XX/2019 to see why it hasnt been corrected and was told they submitted the paperwork on XX/XX/XXXX, and once it was processed internally it would take ano ther 30-45 days to have this mistake corrected by the credit bureaus. My question is XXXX? We are looking for a new mortgage and this over 100 point reduction in my credit score will cost me thousands of dollars in mortgage costs. Do I get the mortgage and sue @ gmfinancial for the cost or are there attorneys out there that will take this sort of thing on. Oh and as a guy with XXXX I have many better things to do right now.
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| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICREDIT XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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GM Financial are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which GM Financial is in violation of 15 USC 1681e ( b ).
I reached out to GM Financial on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. GM Financial removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX.
Also, GM Financial received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX GM Financial charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX.
I am demanding that GM Financial update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed.
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.
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| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This is a formal complaint against GM Financial located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, GM Financial has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 08/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
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Applied and was approved for a loan with GM Financial, received a " welcome '' phone which included a few questions from the GM customer service agent. One question, was " will anyone else be driving the vehicle '' I told them his name and then I explained I traveled a bit and my husband would be driving the vehicle about 40 % of the time and I would be the other 60 %. GM customer service agent then asked " why were they not on the loan ''. I stated, never thought about it since this person was my partner and we lived together. Besides my partners credit was n't as good as mine. The agent then asked for my work number to verify my employment, I explained I was driving and would get the information to them with the next few days. When I called to give them the information as requested, I was told my " loan had been sent back to dealer '' ... I asked the agent why, she replied " you will have to call the dealer '' ... So I did just that, the dealer told me that GM Financial stated I was doing a " straw loan '' ... needless to say I was shocked!!! I explained, how could GM accuse me of doing a " straw loan '' when the insurance for the new vehicle was in both our names, along with the checking account from which the payment would be made. I feel or know that GM Financial discriminated against me and my husband, since we were XXXX.
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| 06/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My auto loan is with GM Financial. In XXXX, i applied to get a new car. I was told that my account with GM was showing past due. I had often waited until after the time due date to pay, but never past 30 days. So, i did have late fees on my account. I paid them that month and made my payment on the due date. In XXXX, i reapplied and they again told me it was past due.
I looked at my credit report, and sure enough, my balance was showing {$4000.00} higher than what it actually was. They showed my XX/XX/XXXX payment as 30 days late, then hasnt reported anything since.
I contacted them and they said thousands of people had been affected by some time of software glitch, where they had reported past due payments in XXXX. So, they shut the system down and hasnt reported anything since. In XX/XX/XXXX when i called, they said they had pulled the system back up and it should be updating correctly.
I just looked again and 3 weeks later, still the same thing. I XXXX this problem and saw hundreds of consumers having the exact same issue. This is preventing people from getting new vehicles, getting homes, affecting interest rates. And GM doesnt seem in a hurry to address the issue. I read back to XX/XX/XXXX where theyd been told the same thing I was told in XXXX ... the system would be back to reporting correctly. And still nothing.
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| 11/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XXXX vehicle was paid off, GMC Financial was contacted in XXXX because the lien release and title was not received, was told it was on the way, never received, I then called my county clerk to ask if they received a title release they confirmed they had not. I contacted GMC again in XXXX was told it would be resent again no docs were received. I then put the car in storage and did not get back tO this issue during the COVID pandemic, now tHe vehicle has been in an accident and insurance company has declared it a loss, on XX/XX/XXXX I reached out again to GMC they confirmed no monies were owed, I was to use the website get my title but was told my account could not be found I contacted GMC again, I was put on hold for over an hour, again told it would be processed and it would take XXXX days that was on XXXX contacted GMC again on XX/XX/XXXX on XXXX calls lasting over XXXX hours only to be disconnected, put on hold for an indefinite period I finally reached a customer service person Named XXXX, she says she has requested a copy of the XXXX XXXX, she connected me to her supervisor XXXX I left a message with no return call, I have not been given any cause for this issue and do not know what else to do to compel GMC to release my lien and provide title. I even offered to pay XXXX charges to have the documents sent to no avail.
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| 07/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In XXXX of XXXX my car was repossessed due to late payments. They show me 30 days late in the months leading up to the repo. They had a technical glitch that affected thousands of customers. In a press release they promised no customer would be compromised. I'm not sure if the glitch was the problem but here is my concern ....
In XXXX of XXXX they are reporting to the credit agencies a payment of {$970.00}. After a year of my car being repossessed I've finally managed to figure out with GM Financial customer service that they received a payment of {$480.00}. Because of their error and complications on making payments because of their glitch, my payments showed late when they were supposed to be a month ahead.
I tried resolving this with them but they said they said I did not have an account with them. I never received all the proper documents when my car was repossessed and only found out when the lot my car was towed to called me to have my personal belongings picked up.
Finally a year later I'm able to confirm with GM account details. But every call I make to them they send me to different departments to answer my questions. But with no resolution.
I was given no opportunity to make right on my loan because of their negligence and am seeking help to resolve the matter of their wrongful and unlawful reposession.
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| 06/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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At the time of this loan my name was XXXX XXXX. I got the loan in XX/XX/XXXX. I started off pretty good, but through the course of the loan I lost my job and had to take a lesser paying job in XXXX. My finances decreased and I couldnt really afford the car. GM Financial offered me deferment to get current. Eventually I fell behind again. I had lost another job, I dealt with the lost of my daughters father to XXXX, after while I asked about refinancing and they said they didnt do any refinancing. I tried my local bank and they told me I was upside down in the vehicle. So there I was stuck in a car loan that I couldnt get current in no matter how hard I tried. My loan was for about {$15000.00} and by the time I voluntarily surrendered the car I still owed them {$12000.00}. I was disgusted, depressed, and felt taken advantage of. I couldnt see myself throwing money away to interest and never owning the car. I felt relieved afterwards but still upset because I threw away so much money. Now Im still owing a balance on car I dont have and it is negatively affecting my credit. No one at GMFinancisl every told me that it wAs a simple interest loan or what my per diem rate was. Now I know about these things I feel that this was a ripoff, like predatory lending. I feel this balance should be XXXX and removed from my credit reports
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| 02/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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When I paid off my lease there were no instructions except for who to send the money to and for how much. The account was paid XX/XX/XXXX and I received a paid in full letter. I first asked via chat how to get the title on XX/XX/XXXX and was told they release the title to the billing address on file within 30 days of payoff posting. I waited until XX/XX/XXXX to follow up as it was almost 30 days and I still hadn't received anything. I didn't get any help and tried to many times during XXXX. Then I finally called and spoke to someone ( after waiting one hour on hold ) and was told I needed to send the odometer statement. Which they would have to mail to me since my account was closed online. That was the only document mentioned. Waited for that in the mail, as they could not email it and then sent it back. I followed up today, XX/XX/XXXX, and was told now I needed to submit titling instructions. Again, no mention of this step in any of the previous conversations or instructions. Now I have to wait 24-48 hours for it to be emailed. And if I want any of this expedited, as I now have 10 days to submit to the XXXX for my loan, I have to provide a XXXX number. Otherwise it will not be expedited. This is ridiculous how long it's taken! It feels like they are purposely leaving out instructions and making it extremely difficult.
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| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I purchased a vehicle on XX/XX/23 from XXXX XXXX dealership, and was unsure who I needed to pay. I called The dealership to ask what's the name of finance company so I can let them know that I was experiencing financial hardship, due to an eviction that occured on XX/XX/23 which left me without access to my mailbox and my car registration got lost or stolen. I was told by multiple people that they didn't have me in their system and it doesn't show I purchased a car from them, I checked my informed delivery everyday looking for something from XXXX or the lender that would at least give me an idea about who the lender was. I currently live in a hotel and they came on XXXX and repossessed my vehicle. At that time I didn't know if it was stolen or repossessed. I finally found the lender on the contract by the signature page but it didn't have a name, phone number, account # or address. I called Americredit on XXXX to explain the situation and was not given an opportunity to speak, the representative was very nasty, and refused to work with me, he advised me that I have until XX/XX/23 to pay {$1500.00} for XXXX and XXXX, which includes repo and late fees, I ask him if he could put payments on back end of loan so I would have a fresh start and can recover from my hardship I experienced with eviction, he said no and hung up.
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| 04/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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RE : ACCT # XXXX ==>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report.
Dear Manager ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The late payments you have reported to the three credit bureaus.
My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require.
Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late.
Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required30 day timeframe.
Best Regards, XXXX XXXX
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| 10/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I leased this car and have been making payments. I was surprised in the first place to even get it due to my credit situation. But I needed a car after being in 2 car accidents in less than a yr last yr. I have been making payments, some in full, some half and even would try and do 2-3 months. Lately I have been phone calls all day and just about every 2-3 days from different agents even though I had spoken to someone prior to the new calls. The last rep told me that one of my payments that I had made back in XXXX was sent, then returned. Which I was never informed of it nor received it back in my account. I called my bank and they pulled up my payment history and saw where I had made the payment and that it was deposited on their end. XXXX still tried to tell me that when I made the payment, there might not have been enough funds in my account to make the payment. I've tried to explain to them that I use a prepaid debit card and can only spend what is in my account. So if the funds wasn't there, it wouldn't have gone through. They are still trying to tell me that the payment wasn't made, when I got the last call before making this complaint, I had asked to speak to a supervisor, they found one that was available, I was placed on hold and was on hold for over 10mins before I hung up since no one came back to the line.
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| 05/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
This is regarding a car financed though GM Financial. The car was totaled and paid off in 2018. I called GM Financial after I was notified that the insurance and GAP had paid the car off to ask if we owed anything else. The lady said no that everything was taken care of. I thanked them for their help with everything. About 6 months later {$240.00} was put against me on my credit report.
I was so outdone with this and I called them to get it straightened out. I asked them why this was put on my credit and they said it was fees that was not collected. I told them that I had asked if I owed anything once the car was paid off and I was told no.
I was never late on any of the car payments. If my son wasn't able to pay it I always paid the payments. My credit is precious to me and I try my best to protect it at all cost.
I paid XXXX XXXX to clear this up for me and after many attempts of trying they told me to contact you. They were able to convince one of the credit bureaus that this was not owed and they fixed it on their end.
However, one of them did not fix anything and It's hurting my credit so much. Every-time I get my score back up they put it back on there again and my credit report takes a huge dip.
If I truly thought that I owed this I would have paid it a long time ago. Please help me with this matter.
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| 03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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In XX/XX/2017, I began a 3 year lease and set up an automatic payment with GM Financial with my checking account. For the 3 year period, I made payments as planned. The last few payments I made were not accepted by GM Financial. They claimed that a tax change to the lease changed the payment amount so they could not accept payment. When they began calling from unknown numbers, I was traveling and did not pay attention to this until a few weeks later.
GM Financial refused to accept payment and reported to the credit bureaus that I was missing payments. This should not affect my credit score and I asked GM Financial to rectify the error. Even though the remaining lease amount was paid in full before the end of the lease, they refuse to even make an attempt to change my record.
I've disputed the issue with the credit bureaus and most I've heard back is that GM Financial told them that the erroneously reported late payments are correct.
I never missed the lease payments and was making them on time. GM Financial is at fault ( if anybody ) for refusing to accept my payment, but they took it a step further by putting a negative mark on my credit report. I should not have bad credit for missing phone calls.
Attached is a statement from the beginning of the lease showing an auto payment deduction from my checking account.
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| 10/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
XX/XX/XXXX I purchased a vehicle. My first purchased vehicle I paid off after 4 years with a 14.9 % interest rate. The lender of my second purchase was Americredit XXXX Later, bought by GM financial. After paying {$20000.00} of the {$25000.00} loan with a 19.9 % interest rate and a {$340.00} monthly payment. My vehicle was repossessed. For 2 years I paid on time, initially I was told after paying on time for at least 2 years I could refinance. That never happened. I became unemployed from XXXX. I informed Americredit/ GM financial of my employment status and continued to pay what I could, when I could in a timely manner. I would pay what I owed along with any late fees incurred. XX/XX/XXXX I worked a temporary job for the winter. I was able to catch up on my payments. I even made early payments toward my principle amount. The lender regularly accepted post-dated payments over the phone. On several occasions the lender would refuse to take partial payments, including the website. My vehicle was repossessed despite my attempts to remain in good standings with the lender. The lender has now sold the debt to another company, further damaging my credit. I have recently learned about XXXX and how minorities were targeted for higher loans. Online I have discovered many others who have went thru the same process as I have.
|
| 02/09/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I purchased a new vehicle in XXXX XXXX and financed the vehicle thru GM Financial The term of the loan was 72 months ending in XXXX XXXX.
Twice during the contract period I was slow in making the monthly payment due on the XXXX of the month originally. But was paid not more than 10 days from the monthly due date of the XXXX.
GM Financial Informed me that I could skip that month 's payment by just paying $ XXXX for that affected month and a additional month would be added to the original 72 months. I agreed to this proposal and for that month I only paid $ XXXX instead of the contracted amount. GM Financial changed my due date from the XXXX to the XXXX of each month. Later I was slow in making the monthly payment on the XXXX, but the amount due was was paid within 10 days of the monthly due date. GM Financial again advised me that by paying $ XXXX for the affected month, I could defer the full monthly payment to the end of the 72 month period. However GM Financial added XXXX additional months to the 72 month contract for XXXX instances of making the monthly payment XXXX or less days from the scheduled monthly due date. GM Financial is requesting a final ballon payment in excess of the monthly due amount. Thus 72 months became XXXX 78 months despite no payment was ever late or more than 9 days from the due date.
|
| 09/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I XXXX XXXX, natural person and consumer, have an open dispute with GM Financial regarding an unlawful contract based on obvious TILA violations regarding the Finance charge. My account with GM Financial had an account balance of {$0.00} as of XX/XX/2023. On XX/XX/2023 GM Financial illegally tracked my vehicle, breaking my right to privacy, and Stole my Vehicle that I use for personal, family, and household needs. This theft was in retaliation to me enforcing my rights under the Truth In Lending Act. I have a current arbitration case with American Arbitration Association case # XXXX. GM Financial is in breach of contract by not adhering to the Arbitration clause in the contract. They are causing great injury to me and my family. It is my belief that GM Financials Attorney XXXX XXXX has advised them to take unlawful action against a consumer under the color of law. A violation of 18 USC 242.
GM Financial is guilty of tax fraud by reducing their tax liability through the inaccurate calculation and reporting of the Finance Charge associated with the contract in question. The Finance Charge on the contract attached is NOT the sum total of all charges payable as defined 15 USC 1605. They have also received tax credit for a profit loss write off and then unlawfully seized property that was not rightfully theirs.
|
| 05/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
This case started in XX/XX/XXXX when I received a bill from GM Financial ( Acct # XXXX ) stating that I owe a Miscellaneous Receivable of {$90.00}. After calling GM Financial and asked for explanation, I received a copy of a collection bill from XXXX XXXX XXXX, XXXX from GM Financial ( Exhibit A ). After receiving numerous bills for the {$90.00}, I sent a letter to GM Financial ( Exhibit B ) dated XX/XX/XXXX requesting validation per Fair Debt Collections Practice Act. GM Financial continued to ignore my request by sending more bills in request of payment of the {$90.00}. To avoid any negative marks on my credit report, I paid it. Now it is XX/XX/XXXX, and GM Financials process has started again. In XX/XX/XXXX, after a phone call asking for verification of a {$230.00} Miscellaneous Receivable bill, I received a package from GM Financial of three statements from XXXX XXXX XXXX, XXXX totaling the {$230.00} ( Exhibit C ). On XX/XX/XXXX, I mailed a Certified Letter to GM Financial asking for validation of their validation process ( Exhibit D ) in relation to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. As a result, I received a regular bill dated XX/XX/XXXX stating a Miscellaneous Non-Taxable bill stating the same {$230.00} and no explanation to certified letter sent ( Exhibit E ).
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.
15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.
15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision.
The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS # XXXX XXXX XXXX - LAST 4 SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy.
Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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approximately 3 months ago I placed a {$100.00} deposit on a new car with XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Wisconsin XXXX. 3 Months later on Saturday the XXXX I went to see the car and finalize all the paperwork and wrap up all the necessary documents. I ended up not being able to leave with the car because I needed a co-signer or {$10000.00}. Later that evening I obtained a co signer, my brother. Next morning I heard that the car I had placed a downpayment was sold from under me to a different customer. My credit was ran approximately to twenty different banks and they are populating on my credit report. XXXX, the finance guy was extremely rude when I was asking him to figure out if a lease was a better option. He was not interested in assisting me into trying to help me or see what he could do. I will not be back at XXXX XXXX moving forward and will also be filling a complaint with the XXXX against them. This has been by far the worst experience I ever had. Was not welcomed and was not friendly at all. 10/10 would NOT recommend.
** this is NOT the way to deal with customers and this is NOT the way to deal with people trying to purchase a car. I felt like everyone just fed me lies from the start. General Motors should seriously look into this dealership from top to bottom.
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| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I have an account reporting on my credit belonging to GM Financial. I purchased a car from XXXX XXXX XXXX in XXXX. In XXXX my job was moving me out of the country and I did a voluntary surrender on this car. In XXXX I had a balance on the car of {$14000.00} but we settled on a balance of XXXX ( see Exhibit A attached ). In XXXX of XXXX met with a judge and agreed on an amount to have taken from my paychecks to satisfy the account. I was garnished from XXXX to XXXX. To my knowledge the balance was satisfied. I held the same job with the same corporation the entire time. But this account is STILL reporting on my credit with a balance of XXXX. This is an illegally calculated and reporting deficiency balance. I have reached out to GM Financial multiple times and received nothing but the court documents. Nothing relating to the satisfaction of the judgement. I find it hard to believe that 10+ years of garnishment has not settled this debt. I am desperately in need of help. According to my credit reports, my last payment was in XXXX, inaccurate! Just with the dates given and proven in the documents attached, this account is FAR past 7 years from default. I will fight with the courts on the satisfaction of the judgment but PLEASE remove this illegally reporting account from all of my credit reports. Thank you.
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| 10/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Older American |
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We leased a vehicle from GM for a term of 36 months and paid all payments promptly as due. We turned in the vehicle prior to the lease end ( XX/XX/2020 ) to GM. The vehicle was much lower mileage than allowed and it was in outstanding condition. We were told and assumed that our relationship was complete. We got a statement from GM Financial on XX/XX/XXXX, which indicated we owed {$240.00} including {$12.00} Past Due Payment charge. I immediately called GM Financial and offered to pay the invoice, but I asked them to remove the {$19.00} late fee. I called twice, got no offer to remove the late fee and asked to speak to a supervisor. Each time I was placed on hold for over 30 minutes and then hung up on. I also sent a letter explaining and asking the same consideration to GM Financial via fax and email. There was no response. On XX/XX/XXXX we received notice that GM Financial had reported us to the various credit reporting agencies stating that we were delinquent on our a/c. I tried again yesterday ( XX/XX/XXXX ) and today to resolve this matter with GM Financial. I even offered to pay the unwarranted {$12.00} to settle. I asked that they contact the credit reporting agencies to clear the erroneous information. They refused. I know of no further action on my part to resolve this in a satisfactory manner.
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| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
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| 08/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My car loan was serviced through GM financial on XX/XX/18. I have XXXX which is a 3rd party that pays auto loans and pays them off quicker. The company does not allow bi weekly payments, they also don't show a payment history on my account that tells me what went to interest and what goes to principal. I was told I can't see the payments the 3rd party makes on my behalf because I didn't pay them. My account shows no payments posted. I was told the only way to see my payment history and what was posted was through the monthly statements. I was told my account accrues interest everyday which was not told to me at the time of my loan signing. I was told I can't request an amortization statement. I am just being told I can't see or do anything with the account but see the basic stuff which to me is not consumer friendly especially since I am the consumer. I can never see anything that goes to what payment. I am being denied my right as a consumer to know where my money goes, and I am being denied my right as a consumer to see what is happening. To me this is a fraudulent lending practice because my loan was XXXX at the time of the loan, and now I owe them more than the original loan terms after 2 payments of XXXX has posted to the account. I know owe them XXXX. I believe I am a victim of predatory lending.
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| 06/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/2017, I went to XXXX in XXXX, GA to purchase an automobile with my credit card. I was provided a credit application which I filled out and provided my credit card to the sales rep at XXXX to extend my credit. In return, XXXX brought me an alleged loan on a document with the title 'Sales Agreement ', and it stated GM FINANCIAL as the 'LIEN HOLDER '. A finance charge was involved in the consumer credit transaction and was not disclosed clearly in any of the communication sent from GM FINANCIAL. GM FINANCIAL furnished deceptive documents and communicated with me at my abode in connection to collect an alleged debt that is not lawfully owed. I did make payments after being harassed by the monthly bills and annoying phone calls over the years from GM FINANCIAL, making me believe I was obligated to make such payments. I sent GM FINANCIAL a request to validate the alleged debt. They have not sent any documentation proving any legal or lawful obligation as requested in the allotted time frame. The payments have caused damages to my financial status and reputation. GM FINANCIAL continues to violate my federally protected rights and communicate with me without my consent in an attempt to collect an alleged debt. GM FINANCIAL has not provided any legal or lawful validation of any debt or alleged debt.
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| 01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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GM Financial Settled " Settled less than full balance '' their account that was opened in XX/XX/XXXX that is currently closed. They updated my credit reports showing different statuses on all 3 credit bureaus. The information they have on each report is different.
On XXXX PAYMENT STATUS states : " legally paid for less than the full balance '' with a STATUS UPDATED date of XX/XX/XXXX with an original balance of {$17000.00}. This shows positive on my report as it states PAID.
On XXXX, there is nothing showing in PAYMENT STATUS, thus showing the account as derogatory. The date under STATUS UPDATED and BALANCE UPDATED is the wrong date ( XX/XX/XXXX ).
On XXXX, under PAYMENT STATUS it shows " Bad debt/placed for collection & skip '' as opposed to settled/paid for less than full balance ''. Thus showing it as derogatory. Under the section YOUR STATEMENT, they filled in " settlement accepted on this account paid charge off ''. That is not my statement as I have not made any statements. They also put this under their comments. It would have been helpful if they put this under payment status instead.
Since the account has been settled, could they please show that in the Payment status section as " SETTLED AS PAYMENT IN FULL FOR LESS ''.
Either consistency or deletion is helpful. Thank you kindly.
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| 11/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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GM Financial ( GM ) XXXX. XXXX XXXX XXXX, TX XXXX RE : Account # XXXX The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. The abusive practices, deceptive and unfair debt collection practices by GM will not continue to violate my consumer 's rights. In pursuant to 1692 using symbol in the contents of an envelop that would signal that this is a debt collection practices. Every debt collect, original or third party all put their logos like GM in the content of the envelope is an infringement upon my consumer 's right to privacy as well as misleading representations in pursuant 15 USC 1692e and these violations needs to be address appropriately. This Affidavit of Truth has been submitted in regard to the violations committed by GM. Federal violations against a federally protected consumer. Enclosed are exhibits proving some of GM wrongdoing. In pursuant of 15 USC 1692K I submitted a remedy for each violation of the FDCPS is {$1000.00}. Affidavit of Truth, Invoice and Exhibits have been sent via certified mail with return receipt. All pertinent documents are enclosed. GM please be advised you also sent me another consumer 's account payment history. GM what should I do with the contents. Should I forward it to the consumer Ms. XXXX XXXX.
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| 09/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
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Web |
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We recently purchased a vehicle using GM Financial, and after a few weeks owning it, the van was totaled, and when we went to file the claim, we found that the insurance company never transferred the collision to the new van as they were supposed to. Once GM Financial found out about, they shutdown communicating with us. They told us many times that we are " XXXX '' and " XXXX '' and other awful names. Whenever we'd call, they played their phone games where they'd put us on hold for an hour+ each time, and then the call would get " accidently dropped '' or someone would come on, and then put us on hold again for an hour+.
When we finally got someone to talk to us, they told us we needed to give them our totaled van back and they would auction it off and put it towards what we owed. They never told us that that would be considered a repossession on our credit. When we asked why no one told us, they denied it. We asked for the van back, but they refused to let us have it.
And now, they won't accept payments from us, but they are continuing to charge us late fees and report it to the credit bureau. Still no one will answer why. We go back to the transferring and dropping calls games.
So they are intentionally destroying our credit and racking up late fees when we want to pay.
Acct # : XXXX
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| 01/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/XXXX we went to the local XXXX dealership and looked at a new vehicle. On XX/XX/XXXX the dealer started the process for us to get financing. They go through GM Financial. On XX/XX/XXXX we purchased the vehicle and signed all of the loan documents for financing through GM Financial.
On XX/XX/XXXX I refinanced my vehicle loan with another financial institution and GM Financial received my payoff as of XX/XX/XXXX.
On XX/XX/XXXX my husband and I each received a denial letter for our application of credit from GM Financial. The letter was dated XX/XX/XXXX. The denial was in regards to the application from the local dealership and the credit score information was from XX/XX/XXXX.
On XX/XX/XXXX my husband contacted GM Financial and after some back and forth was told that the letter was a mistake but then was cut off.
On XX/XX/XXXX I attempted to contact GM Financial inquiring for the specific reasons for the denial. I waited on hold for 10 minutes and then eventually attempted the text option to inquire for my statement of reasons for the denial. After a half hour I was told I would be sent a Statement of Specific Reasons letter.
My issue is we received a denial letter more than 30 days after a credit decision was to have been made and we weren't really denied, we got the loan.
|
| 07/03/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I leased a XXXX XXXX XXXX/XXXX/XXXX. GM Financial.. IN the beginning of XXXX I had to call to get my account number to login online because I never received a statement. I went in to the online account around XXXX saw XXXX Balance due, and waited, till XXXX XXXX to recheck and saw I owed a payment and late fee, because I missed the due date- which was not written on the Online statement when the due date was. I paid the past due, XXXX and late fee, and set up automatic payment. The end of XXXX received an email that I missed a payment, and was charged a fee. The automatic debit started XXXX XXXX, so I missed XXXX payment. They purposefully skin a cycle to XXXX the consumer and charge late fee, when In XXXX I set up a payment, that should have covered XXXX and beyond. 2 -they sent a late payment ding to my credit monitoring company, because I missed XXXX. They say they called me, But they do not identify themselves on the voicemail as to who is calling, so I did n't call back, would you call back an unidentified number XXXX. They refuse to remove the ding even though they admit the online site was not accurate in XXXX because the bill had n't come due yet, but why would they not post my future due date due in the same month.? I want my late fees returned and credit monitoring cleaned up
|
| 08/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
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Im in the middle of litigation with GM Financial whom is trying to collect an alleged debt. I have recently received a letter which i have attached stating they may exercise their rights under law for non payment of a debt? I never heard of a law that protects Debt Collectors BUT there are several laws that protect the Consumer, the natural person and the original creditor.
Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATIO
N, or PROPERTY of any person.
GM Financial is using criminal means and is trying to harm my reputation by repossessing my vehicle at my house in front of all of my neighbors and family. They will also harm my property which is on my drive way at my house.
They are using criminal means pursuant to 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the SEIZURE of any property which would be
my vehicle.
Im here today for more proof for the courts to see that GM Financial is still on the path to violate Consumers and Original Creditors.
|
| 05/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
Older American |
|
Normally a consumer is elated after buying a new car. However, those feelings quickly disappear when you learn that XXXX XXXX of XXXX, VA has engaged in deceptive practices, dishonest treatment of a consumer and simply refused to equitably correct the situation. DO NOT BUY A CAR FROM XXXX XXXX OF XXXX! This dishonest issue are as follows : False and misleading advertising posted internet sales price substantially below the MSRP. However, the sales people disregard the posted internet sales price and negotiate a price well above the advertised price.
Not honoring the agreed upon trade-in value. Adjustments to terms of contract result in trade-in value received which is 31 & less than the agreed upon trade -in value.
Exorbitant and egregious financing rates an exemplary customer with a XXXX FICO awarded with a 7.24 % interest rate, market interest rates are the low 4 % range.
Financing Manager quote let the buyer beware Upon bringing these concerns to Dealership Manager, he attempted to correct the paperwork by raising the sales price of the vehicle.
Dealership refused my written and verbal request to terminate the contract.
Car purchased on XX/XX/2019, compliant filed XX/XX/2019, personally visited dealership on XX/XX/2019 to discuss resolution.
NOT BUY A CAR FROM XXXX XXXX OF XXXX!
|
| 11/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have been sick since the beginning of the year where I was hospitalized in XXXX for 2 weeks I started to get better but due to the lack of income I had to defer two payment back in may I have exhausted all savings and so has my family I continued to make my payments in XX/XX/XXXX through XX/XX/XXXX as I went back to work however in XX/XX/XXXX my doc advised that my XXXX was dropping again due to the XXXX attacking my XXXX XXXX it is throwing my body out of whack well my doc said I need XXXX again or I could XXXX so I have been doing them since XX/XX/XXXX they cost me over 300 each round because I chose the high deductible medical plan I called gm and asked for another deferral because I do n't want to loose my car I need it to get to work and doc appointments I have been waiting on a response for two weeks when the last corp rep advised me not to worry to get a sup involved and they will help me due to my hardship. next year I will be ok because I will have better insurance that will cover my medicines and my XXXX it will cost me more per pay period XXXX dollars per paid period that is why I am asking for assistance because I forsee the problem I am out of money I cant even afford to give my kids a XXXX I did n't ask to get sick but now that I am I have to deal with it the best I can.
|
| 11/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On about XX/XX/XXXX I discovered that my payment for GM financial had not been applied. I was surprised because I had been up to date until XX/XX/XXXX and was on autopay. As soon as I realized that I had a payment due, I paid it. I've been attempting to find out what happened with my autopay and why I was reported so quickly to the credit bureaus. I've called XXXX twice, on XX/XX/XXXX and on XX/XX/XXXX to attempt to have the XXXX XXXX late notice removed from my credit. They've told me that they don't have a way to fix this issue and that I have to go through the credit bureau 's to have the XXXX XXXX late notice removed from my credit. I've attempted what GM Financial suggested and that has not worked. Ideally I was hoping to fix this issue with XXXX XXXX about this issue but they have stonewalled through their customer service. They don't have a mechanism to solve this kind of credit reporting issue.
I don't understand how they quickly report that someone is late with payment without having a mechanism to help fix this issue. But also that they didn't give me much of a chance to fix this issue with them. I only discovered the issue after seeing that my XXXX XXXX had decreased. I don't think it's fair that they didn't communicate with me at all but quickly reported that I was late.
|
| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
To Whom It May Concern : I purchased a new car from XXXX XXXX on XX/XX/2022. The purchase price was {$37000.00}. The car was financed through GM. All paperwork was signed digitally. Due to the screen being set up in landscape mode, it would only show the bottom half to a third of the document that needed to be signed as most of the required signatures were at the bottom of the page. Minimal explanation was given for what documents we were signing other than this is what was agreed upon.
When I received copies of the documents that were later emailed to me, there were several optional items that I would not have purchased if I was aware they were included in the price, which are : - VIN etching / Express code for {$290.00} - Key fob replacement for {$190.00} - Cilajet protection for {$890.00} - Paint protection for {$290.00} XXXX expressed to the dealer that I do not recall these being discussed at all as optional purchases, and asked for them to be removed or refunded. After being passed between the finance person and the salesperson, they have not responded further.
I find the use of digital paperwork modern and useful to a degree. However, it is very deceptive the way the business utilizes the screen to only show a portion of the page being signed.
Thank you for reviewing.
XXXX.
|
| 11/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
GM Financial XXXX. XXXX XXXX, XXXX, TX XXXX XXXX : CFPB XXXX. In XX/XX/2020 I received a copy of our Retail Installment Sale Contract Simple Finance Charge from GM Financial along with a copy of XXXX XXXX XXXX account payment history. XXXX XXXX XXXX account number XXXX was sent via email directly to our home address included in GM Financial file. Upon, receiving the wrong documents, I called GM Financial to inform them that they sent Ms. XXXX XXXX 's account payment history instead of our account payment history. Again, I stated this in my complaint to CFPB. On XX/XX/2020 I received a call from a Ms. XXXX from GM Corporate who insisted on knowing how I gained access to MsXXXX XXXX XXXX file. More than once I clarified that it was sent to me via mail from GM Financial. It was included with our requested personal documents. At that time, Ms. XXXX apologize for GM Financial error and for sending Ms. XXXX XXXX information along with our personal documents. Ms. XXXX XXXX asked me to discard MsXXXX XXXX 's personal document. MsXXXX XXXX acknowledge that she received all of our CFPB complaints including my cease and desist yesterday to cease communication. We will not be held responsible for GM Financial consumer 's privacy violations of the consumer credit transaction with MsXXXX XXXX XXXX.
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
GM Financial claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as GMF.
|
| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
Had this car for 2 months, and tried to return it. The salesman would not budge. He knew they were charging way over what the car was worth. We would surrender the car, but we need to have something for work. The car is not safe, I've had 2 spin outs, and there is no FWD. Gm Financial will not help with lowering the payments. I talk to them regarding the payment plan, and they still call me 3 days later. I even had a guy hang up on me, because he wanted to flap his mouth the whole time. They also play good guy, bad guy. The person you talk to just says, we will note the account of your payment arrangement, then someone calls you, to tell you what you already talked about 2 days ago. So stupid!! I lost my job 4 months ago, due to a shut down, and can't make all the payment. I am XXXX, and on unemployment. GM does not care. I feel like filing bankruptcy, but don't want to. I wish I never heard of the dealer in XXXX, and GM Financial!! They have enough money, so why can't they give people a break? All these big dealerships, need to be taught a lesson. Lets boycott the big names, and buy used. I bet they would stop these practices. I know there are a lot of inventory unused, but people are so money greedy, they don't want to get to people, and families that are barely making a living!!
|
| 12/28/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
I returned the leased car on XX/XX/XXXX to GM financial. In XXXX I received a letter stating that I owed {$1100.00} for excess wear and tear, ending lease fee, etc. I called GM Financial and they agreed to give me a discount so that I now owed {$910.00}. I was told that they would be sending out a new bill with the NEW amount owed on it. A few days later I received a letter saying that I owed the same amount. I tried to call back, but could not get through to anyone.
Then at the beginning of XXXX, I got an alert on my credit report that I was reported to be 30 day late on a payment to GM Financial. I immediately called and they told me that when I called in XXXX, they " verbally '' told me that they couldn't send out a bill with the corrected amount on it, which they never said. Before I hung up, I paid the balance. I am not worried about the payment I had to make, I am concerned with my credit score losing 80 points because of their lack of communication.
I tried to explain to the manager that I am a loyal customer of 4 years. I've had two cars leased through GM Financial and STILL have a lease and a loan with them. I have never missed a single payment. I want the 30 day late payment taken off my report and they kept telling me they couldn't do anything about it. Please help.
|
| 04/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Our payment forXX/XX/XXXX was not paid inXX/XX/XXXX However, in XX/XX/XXXX we paid bothXX/XX/XXXX and XX/XX/XXXX payments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX I pulled a credit report with all 3 Reporting Agencies and GM Financial has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX. I called GM to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to GM Financial chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for our GM Financial account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXX to be 30 days late. We have been current on our loan sinceXX/XX/XXXX
|
| 06/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I leased a XXXX XXXX a month ago and, similar to my last XXXX lease in XXXX, the dealership folks indicated if I didn't " push the XXXX button '' they wouldn't get paid their commission. In XXXX I did this and tried to cancel immediately. Let 's just say that wasn't a pleasant experience but lesson learned. They wanted to put a card on file and have me pay when the free 30 days were up. This time around I made it abundantly clear I would NOT be signing up or 'pressing the button ' and did not want XXXX tracking my truck or tied to my truck. The dealership folks did not like this but I don't think XXXX should be able to track my vehicle and report on diagnostics and all that without my consent, which I did NOT give. At some point in the past 30 days XXXX came on while I was driving and I believe " reminded me '' that I needed to hit the button. Never did. Today I get an email that " my plan is ending soon '' and I presume that means I need to watch for unauthorized charges now. I did not sign up, hit the button, or consent to this account period. This XXXX tying and bundling is the epitome of high pressure sales combined with what I suspect is constant violation of privacy regardless of purchase. It is also tied to the ignition supposedly so there is 'no way to turn it off. '
|
| 07/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
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on XX/XX/2018 I went to XXXX XXXX XXXX to get a loan to purchase my leased vehicle from General Motors. the loan officer called GM to inquire as to the payoff amount she ran my credit and they approved the payoff amount GM gave her ( my credit score was XXXX ) she contacted GM for a hard copy of the payoff before she could issue a check of which they sent via fax dated XX/XX/2018 my banker cut a check for the amount of {$22000.00} and mailed it to GM dated XX/XX/2018 XXXX received the check XX/XX/2018 and deposited it XX/XX/2018. As far as the bank and I knew the truck was paid for but the bank never received the title about 2 months later we started checking and GM was claiming I owed them more money for a payment in XX/XX/18 and XX/XX/18 we could not understand they said they had sent the wrong payoff amount that it should have been {$23000.00} and that they could not apply the check we sent to my account because it was incorrect they had already turned me into the credit bureau as late on payments it was all there mistake and they fined me for late payments at this time all I wanted to do is pay them and get my credit fixed so my bank sent them a check for the difference but now my credit score is XXXX because of there mistake + {$1500.00} in fines and penalties I had to pay.
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| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Spoke with both XXXX and GM financial XX/XX/20 after receiving a letter from GM Financial explaining they could not find my account. Spoke with both parties who told me that 1 ) XXXX would not correct my credit reporting unless GM Financial let them. 2 ) Spoke with GM financial after they mailed me a letter saying we can find your account.
I explained to GM financial what was on my credit report, how long this has been going on for and I was willing to settle this with GM financial and they said, NO.
They are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why XXXX is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which GM financial comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care.
The account they have for me is under XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and the last 4 of my social is XXXX, XXXX XXXX XXXX
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| 11/30/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I EXERCISED MY RIGHTS UNDER 15 USC 1635 a to rescind a consumer transaction that I entered with GM FINANCIAL due to TILA violations. I exercised this right by mail using a certified green receipt on XXXX2021. These documents were received by gm financial on XXXX2021. On XXXX2021 an representative of associates asset recovery stole my property from me outside of my work place. XXXX XXXX XXXX is in violation of 15 USC 1692c ( a ) ( 1 ). They are debt collectors pursuant to 15 USC 1692a ( 6 ). A representative for XXXX XXXX contacted me without my consent or the permission of a court regarding this alleged debt and at an inconvenient time while I was conducting business. I made it clear that I was conducting business and that this was an inconvenient time to contact me and that I do not permit them to contact me regarding this alleged debt but they did not care. I was deprived of my means of transportation and left stranded in the rain and cold. I was forced to catch a XXXX home and cancel all of my plans for the day and week because I now have no means of transportation. 15 usc 1635 b does not mention repossessions. I was deprived of my rights and they conspired against my rights along with GM financial to unlawfully disposes me of my property as exercising my right to rescind.
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| 08/28/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I was sent a letter from XXXX XXXX XXXXXXXX detailing the sale of the leased car I had turned in early. The letter stated there is a refund amount of {$100.00} DUE TO ME, and will be mailed to me within 30 days of the date. ( XX/XX/XXXX ) of the letter.
I have made numerous calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) involving hours of my time to the only number listed to call and I have been passed off from one customer service person to another and given excuse after excuse after excuse. My last phone communication ( XX/XX/XXXX ) I was told that the payment would be processed/ " expedited '' but that never happened either. I have received one scripted email ( XX/XX/XXXX ) from a so called " Customer Experience Specialist '' that I replied to with my frustrations and I have never gotten a reply with a resolution to my specific situation.
I know {$100.00} is not much, and it isn't even about the money anymore. At this point I want XXXX XXXX XXXXXXXX to be held accountable for not processing refunds that they owe to me and who knows how many hundreds of other people. How many thousands of dollars do they have hiding in their books somewhere that they are assuming ( hoping ) people aren't going to bother to go to the lengths that I am to get what is owed to me?
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| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have had a GM Financial loan for many years. I have always paid by check. Over the last 2 years, GM was making it very clear they were trying to eliminate paying by check- they first mailed out my billing statement with only 4 days to spare before my due date. So for the last year I have gone paperless and printed out my statements 2 weeks in advance. I have mailed my check on time for 4+ years - never missed a payment or was late - all by check. This month, XX/XX/XXXX - my due date- they have not cashed my check. I mailed it 12 days ago and all the other bills I mailed out received and posted payment. I know they have received it, they've received my checks for 4+ years. So I called on XX/XX/XXXX and asked why they haven't cashed it. They claimed they never received it. I asked to speak to a manager, they wouldn't let me talk to anyone. Today, XX/XX/XXXX, I went on their online chat - spoke to XXXX. She would not address where my payment was, only referred to last month 's payment. I asked to speak to manager, she put me on a 792 minute wait time. They won't address anything, won't let you talk to management and are lying. This is my credit, this is my life they are messing around with. I want them to be held accountable for their negligence and damaging people 's credit.
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| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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On XX/XX/2022 and XX/XX/2022, I sent a certified letter requesting that GM Financial provide me with specific information regarding a repossession. Under the laws of the State of Maryland UCC XXXX and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
My certified letters were a request that GM Financial provide copies of every legal notice and proof of the commercially reasonable manner of the resale of the subject vehicle. This is my right to ask by law. And if no such proof was provided within 14 days from receipt of this notice, the alleged claim of a deficiency is considered null and void, and any continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, failure to comply with the above requests, means that I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
To date, GM Financial has failed to provide me with this information. Due to their failure to provide me this information, they have to remove this information from the ALL 3-credit report reporting bureaus immediately.
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| 09/27/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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GM FINANCIAL has repeatedly contacted the consumer, regarding Account Number : XXXX, I do not owe this debt, All Debt and Obligations that are assumed to be the Consumers or Natural Person are in fact debts or obligations of the United States Government According to 31 U.S. Code 3123. Payment of obligations and interest on the public debt XXXX : XXXX is the original creditor on account no. XXXX pursuant to 15 U.S. Code 1692a Definitions, such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort.
the Consumer, natural person and original creditor am invoking my specified remedy as the creditor pursuant to 15 U.S. Code 1692c ( c ) ( 2 ). the consumer demand that GM FINANCIAL cease all debt collection activities Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication : If a consumer notifies a debt collector in wri`ting that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.
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| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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Hello, I have had an ongoing issue with GM Financial during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and GM told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. GM was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to GM. Therefore, GM has not received the payoff but were notified and has been updated again last week. GM ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and XXXX as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA standards.
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| 02/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I am the CO- SIGNER on the lease through GM Financial. The customer of the lease on more than one occasion has not paid her lease on time or in full and quite often owes late fees and other overages. I had contacted GM Financial since they are the owner of the vehicle asking that I also be notified of any late payments right away so that I can remedy the situation, but to no avail. I called them on XX/XX/2018 on or around XXXX XXXX to ask them again why they are waiting almost two to three months before notifying me of late or overdue payments. They clearly stated that the co- signer of the lease doesn't receive any type of notification at all and that's it's my job to check up on it. However, the said lease would NOT have happened AT ALL without the co-signer. I simply asked to be notified immediately so that I could remedy the subject situation, and they said, " Sorry we don't do that here. '' I asked for them to send me paperwork so that I could take over the payments of the vehicle and they said, '' We don't do that here. '' Yet, they OWN the vehicle. They refused to help me at all but said that they would gladly take a check from me for the overage payments. They told me that the co-signer isn't their customer and that they aren't concerned about my credit score.
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| 12/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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GM Financial is repeatedly violating the FDCPA. GM Financial has reported debt on my accounts XXXX 's without ever contacting me first to notify me of the debts. Additionally, my debts were due to their system failures and deficiets in their customer service and billing departments, which makes their FDCPA violation more eggregious.
Per the Consumer Financial Protection Bureau ( CFPBs ) debt collection rules as of XX/XX/2021, debt collectors must take certain steps before reporting a debt to a credit reporting company. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company.
Unfortunately, we received no notification of any kind that an alleged delinquency had occurred with accounts
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| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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I filed bk chapter XXXX in XX/XX/XXXX// my car loan at the time was 4 payments past due. In XX/XX/XXXX I paid and caught up the loan to keep the car. I signed a reaffirmation agreement with gm financial XX/XX/XXXX. They reported it as included in bk. I disputed for the account to be updated properly. Gm financial approved for it to be removed from my credit bureau. This is not what I asked for. Now have no records on my credit of ever having the loan. It originated in XX/XX/XXXX. Gm has still yet to resolve the reporting issue. They say the have no resolution and are unsure of when they will. I am about to pay off the loan. The give me the run around and candid answers when I call, about getting up to date statements and getting it reported. The only proof I have is bank account records for payments that have been made. I want to pay this off and stop accruing more interest. I have been trying to settle this since XX/XX/XXXX. I also have called every month since XX/XX/XXXX to get this resolved and I get told its being fixed, then again un XX/XX/XXXX getting fixed, XX/XX/XXXX getting fixed, XX/XX/XXXX its getting fixed, XX/XX/XXXX and nope sorry having technical difficulties to get it reported correctly, ever since XX/XX/XXXX still no answer. BK discharged XX/XX/XXXX
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| 11/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I had auto loan with GM Financial whom picked up the car from the storage without contacting me because the adjuster left the car at the storage. From the time they picked up the car, their reinstatement department never answer their calls, I left tons of voice messages trying to resolve the problem but they never returned ANY of my calls. next they sent me a letter of repossession asking me to pay for the cost of getting the car from the storage but long before that, I was able to get another adjuster who placed a 3-way call and accepted responsibility and stated that my insurance will pay the loan company all their expenses. After sending the repair check and estimate to my loan company, I was able to speak to a lady who gave me 2 options either GM Financial repairs my car or I can pick a body shop of my choice to repair the car. I told her that GM Financial should do the repair. 2-3 weeks later, they sent me a letter requesting the information of my body shop. I fax and sent them certified mail requesting explanations and made them aware that I personally do not see any genuinity with the way they are doing business with me. Next I know they sent me a bill for {$8.00}, XXXX stating that they have auctioned the 2008 XXXX. Till date no calls or mails was returned.
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| 02/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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Hello, I am writing in concern that there have been a series of complaints against Americredit ( GM Financial ) regarding the receipt of titles to cars and liens being released. I recently went to the county to try and get a copy of the title for my car. The woman at the county treasurer informed me that I was not the 1st place security interest. This car was paid off at the time of a vehicle purchase at XXXX XXXX in. XXXX, IA. That was back in XX/XX/XXXXand here in XX/XX/XXXX I can not sell the vehicle as needed. This has caused me some financial strain because I need to sell the vehicle. I called GM financial to see why the lien was not released. Two different representatives thought I was requesting a copy title from them and sent me to some website to reorder that. When I told them that there was lien they still did not understand that and still tried to direct me to get a copy title. After I slowed the rep down and really explained they still hold first place with the county she understood. Then I advised I needed a notarized copy with a wet signature showing that I own the vehicle. She said ok and tried to direct me to a the website. Where I have to pay for something that is not my error. The representative was courteous and provided a code to waive the fee.
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| 08/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I leased my XXXX XXXX in XXXX, was due to turn it in by XX/XX/XXXX. As most people know, we are dealing with a pandemic then and now. So on XX/XX/XXXX. XXXX, I turned in my lease due to mileage almost being over. I planned on going back to purchase or lease another vehicle before the end of the month. However, the car dealerships closed within a day or 2 of turning in the lease. The car dealerships didn't reopen and still are barely open to this day, until a few months later. Leaving me without a vehicle. Then as soon as the dealerships open in XXXX, I got slammed with the disposition fee ( which is a very sneaky way for the companies to make more money and is not fully explained at signing ). I did know this was one of their great ways they do business, but assumed due to not being able to buy a car, it would be waived. So I get to pay another {$410.00} for a vehicle I don't even own. I had no excess wear and tear or mileage. I have spoke with them several times and they will not help me. This is completely unfair business practices and I had no control over buying a vehicle within their time frame. They are willing to " help '' others during the pandemic but screwing over many others at the same time. I lost my job and can not afford to pay it right now either.
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| 04/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I received my first statement from GM financial and processed the payment on XX/XX/XXXXto be delivered latest XX/XX/XXXX. Talked to my credit union who informed me that the payment was sent out XX/XX/XXXX to the overnight address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AX XXXX. MondayXX/XX/XXXX i called GM because i had noticed my payment still wasn't processed they informed me it could take 7-10 days to process and i wanted to speak to a supervisor because they have had my check sinceXX/XX/XXXX and the agent hung up on me. I called back with more information from my bank and received the same terrible customer service repeating the same XXXX about 7-10 days with no help trying to resolve my issue. a third time i called on Monday i spoke to a " supervisor '' who said she was submitting a ticket to look into the payment processing with my check number but wouldn't give me a ticket #. It is coming up on the 10 days where they will charge me a late fee even though they have had my payment sinceXX/XX/XXXX and cant figure out how to do their jobs and post my payment. I am waiting for back up from my credit union for the information on when the payment was sent and delivered to provide to GM but no one can find my check when it has been IN HOUSE sicneXX/XX/XXXX
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| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX New Mexico on XX/XX/XXXX ( Account Number XXXX ). For Business reason, I moved the car back to Illinois and had a very difficult time getting the paperwork required to license the vehicle in Illinois. In fact this took 5 months from XXXX to XX/XX/XXXX and a finally involving supervisor from XXXX XXXX to complete the task.
I pre-paid my lease and because of time delay from lease paperwork transfer to Illinois, turned in my lease with XXXX out or a lease term of XXXX miles on XX/XX/XXXX.
After turning in the vehicle, I received a bill from XXXX XXXX for {$390.00} because I did not purchase or lease another GM product at the end of the lease. After a lengthy discussion this was reduced to {$100.00} but XXXX XXXX did not immediately send the updated invoice.
I noticed on my credit score that changed for the negative and that XXXX XXXX now had put that I had an open unpaid balance of {$420.00} since XX/XX/XXXX.
I immediately paid the {$420.00} balance so that my credit score would not suffer and contacted XXXX XXXX about this and to get my {$320.00} refund.
XXXX XXXX still has XXXX balance at {$420.00} on XXXX.
Even though XXXX XXXX said they would send my refund - they still have not done so.
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| 01/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I opened this account on XX/XX/XXXX financing {$26000.00} for 72 months paying {$520.00} a month. I am currently on payment number XXXX with an outstanding balance of {$19000.00}. If I did my math correctly I have already paid {$22000.00} on this loan. It is impossible for this institution to say that I still owe {$19000.00}. The maturity date of this loan is XX/XX/XXXX. I feel that I am being scammed out of my money with this institution and I am having problems paying this bill every month. I have paid late so I can not refinance which I was told that I could do when I signed for this loan, I was told I could refinance in six months but when I went to refinance they denied me. I do not know what to do I have paid over {$20000.00} to this company and I feel that I should not owe {$19000.00}. They are saying that in almost a five-year timeframe I only paid {$7000.00}. This company is a fraud and something needs to be done about it. I should almost be finished paying off this car note and it looks like I am underwater for around {$15000.00}. I have XXXX children in college and also battling XXXX XXXX XXXX XXXX. I believe that something needs to be done about this account and this company who is giving out bad loans. I am going to fight this matter to the end.
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| 07/08/2019 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have returned the leased vehicle in the month of XXXX and attempted to pay dues and any other dues I am responsible. I was told by the dealer that GM finance will contact me but I never get contacted by GM or did not received any final statement to pay my dues.
I even called three weeks back and requested to send the statement and it was not sent. when I realized that I did not received the statement, about a week back, I requested the GM Finance to post it online in my online account with them or send email to the email addressed that was linked to my online account or text me the dues. But GM Finance told me that they only mail it to my physical address or fax it to me.
I was advised to wait couple more days. I called again to tell GM Finance that I did not received the statement, they told me that they initiated another request but I requested to connect me to a supervisor but I was told that the supervisor was not available. I requested a call back form the supervisor to explain the situation. But I did not get any call back.
My intention was clear that I wanted to pay my dues as soon as I see an official statement and working with GM Finance for the last 4 weeks but they reported to Credit Bureau that my payment was late which I think is unfair.
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| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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GM Financial continues month after month of reporting an account on my credit file that I never signed for. They sent a copy of a lease agreement with addresses and signatures that are " not '' mine. I've sent them everything I can to show them that all the information that they report that would be attached to that particular document does not match any information of mine ; the address on the document is one tha that I've never lived, the but signature is not mine and they never attached a drivers license, State ID, or any other picture form ID with matching signature or addresses to the document they sent through the CFPB portal. GM Financial, XXXX, and XXXX, as well as the CFPB are complicit in this fraudulent activity. It's a shame that the CFPB uses passive enforcement to regulate consumer protections as my credit file is harmed by the same entities that you are bound by law to regulate and enforce. The FCRA states that the burden of proof lies on the creditor in a consumer reporting challenge and yet GM Financial, XXXX, nor XXXX have not presented any justifiable evidence proving that this GM account belongs to me. They sent to me a filled out credit application and a billing statement. That's not concrete enough evidence proving their false claims.
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| 08/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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In XX/XX/2018 I traded-in a leased XXXX XXXX XXXX for a new, XXXX XXXX XXXX which I purchased at the same dealer ( XXXX XXXX XXXX, FL ).
Any further financial obligation for the car lease on the XXXX XXXX XXXX was, I was led to believe, the responsibility of the dealer.
In XXXX, I received a bill for excess wear-and-tear on the XXXX XXXX for {$340.00}. I sent in the payment and GM Financial has acknowledged receiving it on XX/XX/2018. YET, FOR SOME REASON, GM FINANCIAL FILED A NEGATIVE CREDIT REPORT ON ME THE NEXT DAY ( XXXX ) THIS DESPITE THE FACT THAT PAYMENT WAS MADE AND DESPITE THE FACT THAT A REP HAD INFORMED ME THAT THERE WAS AMPLE TIME IN TERMS OF A GRACE PERIOD FOR THE PAYMENT TO CLEAR.
It gets worse ...
On XX/XX/2018 when I called GM Financial to follow-up, the recorded announcement stated not only that the {$340.00} was received, BUT THAT THE NEXT REGULAR LEASE payment was due in XXXX.
I would like CFPB to do 2 things : 1 ) compel GM Financial to do the right thing and immediately retract its unwarranted negative credit report and note that it was filed in error ; and, 2 ) compel GM Financial and XXXX XXXX XXXX to work out between them the matter of any remaining lease payments on the XXXX XXXX, as per my trade-in agreement in XX/XX/2018.
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| 08/07/2015 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I have had XXXX vehicle leased with GM Financial. In XX/XX/XXXX, my credit union bank account was compromised by fraud and my XXXX banking payments we stooped for XXXX days. Because of this my car payment to GM Financial was not sent to them. I never received any late notices because GM Financial had never updated my address, after multiple times of trying to update it with them. After I received a phone call from them XXXX months later I realized what had happened. I sent GM Financial a letter I received from my bank explaining this situation was beyond my control and was in fact their fault, but GM Financial refused to remove the XXXX late notice to all XXXX credit bureaus, but waived the {$50.00} late fee. Most recently I lease a new car with GM Financial, XX/XX/XXXX, I never received any statement or documentation of the account number, until XX/XX/XXXX. I called several times to check on it and when the payment was to be due, maid the XXXX payments in XXXX and they again waived the late fees and said because it was their fault nothing would be reported to the credit bureaus. On XX/XX/XXXX I received notice there was in fact a XXXX late posted to all XXXX credit bureaus for this new account. I called GM Financial that they claim they never reported it.
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| 02/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a leased XXXX XXXX through General motors FInancial, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with Gm Financial on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that Gm financial makes such mistakes, and holds itself holier than though.
As a customer I am at a loss of words as to how the Compliance and Audit departments at G M Financial accept this kind of business.
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.
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| 03/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX, I emailed GM Financials support email several weeks before my payment due date of XX/XX/XXXX to request that my Auto Pay authorization be revoked. 4 days before the due date, I logged on to check my account amd my auto pay stilled showed as active, so I called in to check on it and revoke authorization. I was told that they would put in a rush request, but they could not guarantee it would get processed in time because now we were too close to the due date, but that at the latest, it would be processed for the following month ( XX/XX/XXXX ). Unfortunately, my XX/XX/XXXX payment processed and caused a lot of havoc with my bank account and other payments that were due. I called in again and was assured that my revocation would be in place for XX/XX/XXXX. This morning I woke To a notification from my bank that GM financial had processed my XX/XX/XXXX payment. Again, this wreaked havoc on my bank account and other payments that were due. I have called in again and have again been assured that it would be canceled for XX/XX/XXXX, and while I requested restitution for bank fees and other financial impact caused by these auto drafts, none were offered. GM financial should be penalized for twice auto drafting from my account without authorization.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX.
These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX Check into Cash ( XXXX ) Opened fraudulently XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
|
| 10/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been attempting to make principal reduction payments with GM Financial so that I can pay off my loan early and lessen the amount of interest I pay. There is no option to make a principal reduction when logged into my account online. I messaged a customer service associate for help and they told me to just make the payment and message them to apply it to principal. When I then did so they said they would apply to principal but could not provide me a confirmation. I asked how I could verify this and they it would appear on my statement. There is no statement available later than XXXX in my account online and when I view payment history there is no breakdown. Every time I try to follow up with customer service they do not answer my question and when I clarify my question they stop responding. I then tried to submit a complaint on this issues on the GM Financial website and it gave me a message that said my complaint could not be submitted and to call customer service. The problem here is that their customer service will not answer the phone. As a consumer I am entitled to transparency with my account, verification of how my payments are being applied, and account balances including principal and interest amounts, which I am not receiving any of.
|
| 02/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GM Financial has reported me late for my lease payments on XX/XX/XXXX and XX/XX/XXXX. I called GM and spoke to a representative on XX/XX/XXXX and informed them they falsely reported me. The Rep told me I was reported late for ELECTRONIC Payments XX/XX/XXXX and XX/XX/XXXX, I told the Rep my credit report shows me late for only XXXX and XX/XX/XXXX only. I was told to fax proof of payment to GM, I faxed to the Customer Service Common department my electronic payment history of a 12 month period so I could show NO late payments were made since I incurred the lease. I also sent FULL balance bank statements showing all transactions on my account including the payment for both XXXX, XXXX, XXXX and XX/XX/XXXX. GM has not answered their phone line or responded to my fax. I have sent the fax a total of 15 times and still NO response from GM. I filed a dispute XX/XX/XXXX with all 3 credit reporting agencies and included the same 12 month payment history and full bank statements and my dispute was denied for XX/XX/XXXX payment. I need the late payments removed and GM to correct their side of me showing late for XXXX, XXXX, XXXX and XXXX. I have attached below COMPLETE bank statements reflecting my payments for every month so you can see no payments were missed.
|
| 03/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased 3 XXXX vehicles and turned all 3 in within a 45 day period. They were in pristine shape, however over in mileage. The lease end bills came rolling in and being that I was charged an additional {$4600.00}, and less than 30 days to pay, I immediately contacted the customer service number. I discussed payment arrangements for the 3 vehicles and faithfully paid monthly and in full in less than 6 months. I discussed errors, such as wrong spelling of last name and one lease was tagged as early termination, which is incorrect. No help, just transferred calls and unkept promises. I was alerted my credit monitoring of late payments and they reported payments late when I paid ahead of schedule. I have emailed, called and faxed, filed complaints, called cooperate in regards to the credit reporting and nothing has been done. I have pages of logged conversations, supervisors names and everyone of them have promised to look into the situation and not one of them have followed through. I had 3 leased vehicles with GM Financial and NEVER missed 1 payment in 3 years, not 1. I then proceed to pay them an additional {$4600.00} and they report late payments for excess mileage. This is not right and I am asking that these unfair marks on my credit are removed.
|
| 05/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XX/XX/XXXX, I contacted Gm and asked to skip 2 payments due to financial hardship. In XX/XX/XXXX, I contacted Customer Service to make my final payment and was advised that my account had been paid in full. On XX/XX/XXXX, I received a threatening letter from GM which, stated that a payment of {$2000.00} was due immediately. I contacted GM and asked why the automated system stated the account was full paid yet, I had a balance due notice in hand and was advised that in XX/XX/XXXX, I was granted 2 skips and the payments were added to the end of the loan. The balance owed was the interest that was due. I contacted Customer Service who advised that I needed to sign a new contract immediately or, Collections would repossess my car, I did not remember being granted the skips and requested an account transcript, GM refused. I asked to speak to a Manager to request a breakdown of the charges and the computation of the interest. They refused. I contacted the automatic system today which stated that my account has no balance due. General Motors violated my rights because they billed me for interest on the skipped payments for more than six years without first issuing an account statement to advise me of the interest due until after the loan was full paid.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX my mother ( has authorization ) called GM Financial and asked what the remaining balance on my lease account was a I was looking to turn in or trade my suv. They gave her an amount that we felt was incorrect. They insisted it was correct so she asked that they send it to me in writing with this balance noted. On XXXX XXXX, XXXX I rec 'd a payoff letter that had a different remaining balance ( {$340.00} more in remaining payts ). My mother called to explain and they suggested she fax them the paperwork/proof. She did this on XX/XX/XXXX. Still no response. On XX/XX/XXXX I sent the adjusted balance due in full with a copy of their letter as proof to backup my short payt. I know they rec 'd the letter along with the check when the check was cashed. After that they kept calling and sending letters. We kept faxing back their letters with the same explanations and proof backup and still nothing. Haven't heard anything for almost 2 yrs. I'm applying for a new mtg and my broker told me that GM had " written of bal. '' as uncollectable debt that affects my credit. I disputed this on my credit reports and today I noticed that GM re-opened my account/debt and my credit dropped XXXX XXXX! How can they re-open a debt that was incorrect to begin with??
|
| 06/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have had my auto loan with GM Financial for 3 years - XXXX XXXX XXXX ( acct # XXXX ). At the time of purchase from the dealer they set up the loan through GM Financial with auto pay. Every month they would pull the payment directly from my bank account, no problem, until recently when I received a past due collections notice. Apparently for no reason the auto pay was removed from my account with no prior notification to me. I have spent the last 2 days trying to get assistance from GM to resolve this issue. I spoke with XXXX, XXXX, XXXX, XXXX and eventually XXXX, who was the only one who took the time to assist me.
I have been in the XXXX XXXX for over 30+ years in XXXX and XXXX XXXX XXXX. I have never received such horrible service. When you set up a loan on auto payment it should be for the life of the loan or when the customer submits a request to discontinue. It should not be arbitrarily removed by the financial institution.
I have worked very hard to repair my credit after losing my job during the financial crisis. I will not pay any late fees, nor do I want this past due payment reported to the credit bureaus.
Your assistance with this complaint is needed and appreciated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
|
| 06/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
In XX/XX/2020 with the COVID outbreak I spoke to a GM representative who supplied me with the belief that I would be placed in a forbearance program where I would not need to make payments for a certain amount of time. Immediately following that discussion I paused making full payments due to my businesses being closed, government orders in place and an inability to make payments. The very next month I was assessed a late fee for not making the XXXX payment. This continued on even after payments began to be made again. I've called and spoken to several people at GM Financial and they will not provide a full accounting of all late fees charged. I have asked on 3 separate occasions to have my account history sent to me and I've never received. I have an online account that does not show a full history of invoices, due dates, payments or late fees. They essentially have charged fees on top of fees and continued to assess. I believe because this is a zero percent interest loan and fees are the only way to make profit off of this loan GM Financial took advantage of the pandemics economic impact and unlike most other reasonable and ethical businesses continued to charge late fees knowing that a customer had reached out and that my business was closed.
|
| 11/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Web |
Servicemember |
|
GM sold me me a XXXX Cadillac Escalade with a couple thousand miles on it which is that when it hit XXXX miles the lifters went out which blew the head gasket. It has been sitting for a year and I am a XXXX XXXX XXXX that has to XXXX, XXXX, cab or walk in the rain and heat. There are law suits for some are bad among other recalls and non working parts of this years car. Cracking navigation screen, door knobs fall off, light covers fall off the back, transmission parts faulty, most engine parts are bad, they did not inform me like the law requires and no I DID NOT MOVE for XXXX years I ran across the recall that informed me that there was no air bags so I had them put in. They wrote it off now and it's ruining my credit. I still owed XXXX but was paying {$900.00} a month for this junk and now I can not afford another car. I asked them to buy it back, it's junk. They refused. I am not the only one XXXX XXXX GM and it's pathetic to give them any more bailouts for sure. I am to old now to finance another car and am a XXXX of a XXXX that died for his country but paid on this one for 7 years. I am to old to keep walking or finance another car and now at 30 degrees I can die walking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
We were making payments as agreed with GM Financial on our account for the balance left on our vehicle that was a voluntary repossession . They wanted to raise our payments & provide additional credit towards our balance. They also offered a settlement option XXXX 2016 . Based on the information they provided at the time, I agreed to the settlement. I am attaching supporting documentation for the {$9000.00} settlement. I took the amount out of my pension account & considered the debt weighed more than the the tax penalty. In XXXX 2016 we received the settled in full letter. In addition without ever notifying me through this process, we received a XXXX for {$8000.00}. This was double impact to our taxes. I called XXXX & inquired as to why we were sent the XXXX & was advised that IRS required it to be sent out end of story. They failed to disclose this detail when they offered the settlement. I would have never proceeded with the settlement offer & would have worked out an acceptable revised payment plan. I am now faced with tax penalty on my retirement & additional taxable income based on the XXXX . This was very negligible on their part & I hope you are able to assist with reversing the XXXX due to non disclosure. Thank you
|
| 06/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
XXXX 2019-Current GM Financial My automatic payment had been stopped, without authorization by me ( was set up over the phone upon getting the GM Financial loan initially ). Apparently GM financial stops automatic payments after 20 months, and I was not aware. I logged into the GM Financial website randomly in early XXXX, and was told notified via the GM website that my account was past due. I entered my account/banking information to pay, thinking this was unusual but considered it a fluke since I had been paying automatically for YEARS. After I entered my payment, it said my payment was processing.
I followed up by logging in today to make sure this month 's automatic payment would go through, and see that my last payment was never processed, and now I've been turned over to collections. I've never had a late payment on any of my accounts, and this is going to ruin my credit.
Up until I had logged in and noticed my account status, I had NEVER been contacted. I spoke to a representative today who told me they had an incorrect number in my account, and had been calling an old number.
I'm asking that GM Financial please remove this from my credit report, especially since their system for payment failed, and they failed to contact me.
|
| 06/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I have contacted GM Financial to ask th em to remove the reporting of a vehicle that was repossessed and charged off in XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that a 7 yr c lock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over. GM is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
|
| 09/27/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
Received a bill for so called used damages 45 days after turn car in to dealer : They cliam tires worn, scratches.Before turn car in I had PA Inspection back tires passed, purchased new tires for front, car passed, term milage was XXXX miles allowance car turned XXXX miles.I had a dealership " XXXX '' done every 6mo '' s which was done day before turned car in.Garage keeped car Took pictures of car before turning car no visable damages or scratches, no dents, etc, very light scratches from bushes or small marks from stones. I got pictures from GM Finanici showed to many people could not damaged to car, took to professional Auto Body could only see a small ding back one inch lower part rear bumper.GM FINANICAL add various fee & taxes not shown to me a the time I did original paper work very poor disclosure of what was in lease at end of term.All dealership leases not properly disclosed or people would not do leasing, a number story of leaseing charging thousands of dollars to un suspecting consumers.The lease want to sell car and not put the cast of refurbishing car on un suspecting consumers.GM Financial does not permit dealers to go over cars, they send 3rd party team that get paid to find out what they can use to justifiy over billing
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2022, I reached out to the loss recovery department of GM Financial in regard to negative information being reported to the credit reporting agencies. GM Financial has been reporting my account as charged off from XXXX XXXX XX/XX/2022. The GM Financial representative from the loss recovery department stated that according to their policy there is a difference between a write off and a charge off, however according to 7 CFR 1956.54 A charge off is defined as the writing off of a debt and termination of collection activity without release of personal liability. I wanted clarity on if their policy definition supersedes the federal laws definition and I was transferred to many representatives who couldn't assist me at all. GM Financial is furnishing my nonpublic personal information to third parties ( Credit reporting agencies ) without my consent ( 15 USC 1681s2 ). The reporting of this negative information is ruining my financial reputation, and this is unlawful activity that is causing me substantial harm. The representative stated that per their policy they are required to report the information and that is a violation of 18 US Code 892 which is them stating that they knew I was going into an extortion and extension of credit.
|
| 01/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX the co-debtor on an auto loan through GM Financial filed Chapter XXXX Bankruptcy. This plan was confirmed on or around XX/XX/XXXX. The car loan through GM Financial was included in the wage earner 's plan and paid regularly by the Trustee. In XX/XX/XXXX the court issued an order that the car was to be surrendered under the plan and the balance of the loan after proceeds from the sale of the vehicle would be considered unsecured debt paid at 100 % through the plan. I am listed as a co debtor on this account and am protected under the automatic stay. Fast forward to today, nearly 3 months later, and the car is still here. GM Financial has knowingly and fraudulantly reported the full balance of the loan on my credit report, marked the account as 180 days derogatory as of XX/XX/XXXX, which is not accurate considering the Trustee paid them in XX/XX/XXXX. They also changed to notation on the account to reflect open and delinquent as opposed to included in chapter XXXX wage earners plan. They are violating my co debtor rights under the automatic stay and hindering my ability as a consumer to get financing for a car as their malicious and deliberate false reporting dropped my score nearly 80 points and tainted my account history.
|
| 12/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This complaint is regarding the close out of a lease and a new lease both with XXXX.
On XX/XX/2018, my lease with XXXX should have ended once the dealership paid off remaining payments. In error, 2 payments were drafted from my checking account in the amount of {$290.00} on XX/XX/2018 and XX/XX/2018.
I have made multiple calls to get this issue resolved. I have been told various amounts for refund due to me including {$890.00}, {$590.00} and {$290.00}. I have been promised a check arriving XXXX, XXXX XXXX refund, and emailed check ( call on XX/XX/2018 ). We all know that a check sent via email can not be negotiated. Whenever I call in, I need to start all over and get different info each time. I was told that not all calls are recorded.
I emailed XXXX and received confirmation of receipt on XX/XX/2018. I received no response or resolution from this complaint.
Today I called and was advised that one of the over payments was credited to my new lease. However I can not see that on a statement nor online.
The last I was told told is that I am due a check in the amount of {$290.00}. No one is giving me accurate information on why an over payment has still not been refunded to me. XXXX XXXX is the supervisor that I spoke to today.
|
| 06/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX, while I was sitting with my husband at XXXX XXXX in XXXX XXXX for him to turn in his vehicle and renew his lease, I was convinced to turn my lease in early for a new GMC that was not yet on the lot. After spending a significant amount of time there, I agreed and was provided with an estimated delivery date of my new vehicle of XX/XX/XXXX.
After numerous phone calls and emails, I was responsible for two lease payments, and didn't have possession of my new vehicle until XX/XX/XXXX.
As a result of dealer error and misinformation, my credit has been negatively affected, I was in the hospital for XXXX ( I am a XXXX patient ) and I was ultimately provided with a vehicle that didn't have everything that it was supposed to have. I am still awaiting reimbursement for the XX/XX/XXXX payment and {$100.00} copay from my hospital copay that was promised to me.
I was also told 2 years free oil changes and was then provided with 2 free oil changes. The ultimate irony of the " 3 months free '' Satellite radio that it should have, it did not even come with the option for Satellite radio. Again, this is the LEAST of the issues, but just an another example of " bait and switch ''.
And now, I can't even receive a response from anyone!
|
| 10/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
|
| 06/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I made a {$2200.00} payment on XX/XX/2022, which I asked to be applied to the principal only. According to the XX/XX/2022 statement, the ending balance was {$18000.00} ( {$1900.00} principal + {$210.00} interest ). The entire payment was not applied to the principal, however, there was no payment due as of XX/XX/2022. I went to the website, and on or about XX/XX/2022, it stated that I owed {$700.00} and it was 4 days late and that I owed a total of over {$1400.00}, that was going to have to be paid by XX/XX/2022. I immediately sent a payment of {$800.00} to XXXX, and according to my bank, it has not been received as of XX/XX/2022 ( not believable because it has been over a week since it has been sent by the bank in the form of a check ).
I also made a {$700.00} payment on or about XX/XX/2022, and it has arrived and has been subtracted from the so-called total based on their calculations stating that I owe over {$20000.00}. I am confused. I am trying to pay my bills, however, it seems that XXXX is not giving me credit for payments made and they are charging me fees and interests, which is not making sense. I am a poor widow of a veteran who can barely make ends meet, however, XXXX it overcharging me based on my payment history.
|
| 04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I turned in a XX/XX/XXXX XXXX ( in lease ) for a new GMC XXXX. 3 months later my credit score dropped 90+ points. The credit check showed that GM financial put the a ding on my credit for 3 months past due on my old lease/ I called GM Financial and they said my dealer still owed {$42.00} on my returned car. I asked for a statement, as I recieved no notification from GM about this. They couldn't even say what it was for. The said they would fix it and my credit report would show nothing happened.
We are now 6 months into it and my credit report has not improved. Still no explanation. I finally spoke with the dealership owner and they could find no information on what the " past due '' balance was about. They never received any invoice other than what GM Financing sent them at closing. I have copies of the invoice and the check.
Now the dealer has paid GM Financial the supposed {$42.00} for the unknown charge.
This may fix the mystery outstanding balance, but I am concerned that the blip on my credit will not be removed and my credit score will not return to its original number.
When I ordered all three credit reports XXXX the three bad marks are the only ones in my entire credit history which I have worked hard to maintain.
|
| 12/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
GM Financial 's website for billing has been reporting incorrectly for the almost 3 years I have leased a car. It continually shows the wrong amount due and incorrect due dates. Example : Login to the webpage it shows amount due as {$310.00} then look at the electronic statement and it shows {$290.00}. Consumers would be unsure as to what amount is actually due. Now at the end of the lease it shows {$750.00} due and no statement for XX/XX/XXXX. I called and they said I only owe {$140.00} ( which I paid ). I do not trust this company at all and I'm sure there will be more charges even though they tell me this XXXX 's out my account. This is very confusing and I have been very diligent to pay attention to statement amounts instead of the website but I'm worried that others would incur late payments and other financial hardships based on misinformation. This is very bad business. When I asked about this several times the only answer I got was they are working on it or they don't know why it shows this. I have talked to other GM financial customers who have similar stories. This needs to be investigated for predatory lending practices. I work for a large financial institution and if we did business like this we would be in trouble.
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Regarding account number : XXXX GM Financial is currently reporting to XXXX, XXXX, and XXXX as Charge off.
I called GM Financial on XX/XX/XXXX at XXXX at XXXX I spoke with a representative by the name of XXXX XXXX IDENTIFICATION NUMBER : XXXX ) to confirm the charge off status. The rep indeed confirmed that the account was in a charge off status.
I am aware that Pursuant to 7 CFR 1956.54 the definition of a charge off is the writing off of a debt and the termination of collection activities without release of personal liability.
According to this definition once a debt is deemed charged off then it must be written off with the IRS using form 1099C Once a debt is deemed charged off, then a copy of that filed 1099c must be sent to the consumer no later than XX/XX/XXXX of the following year.
This account was officially charged off XXXX of XXXX therefore a copy of the 1099c that shouldve been filed with the IRS should have been sent to me, the consumer by XX/XX/XXXX.
The rep XXXX confirmed no 1099c was ever sent to me, the consumer.
If no 1099C was filed and no proof of the filed 1099c was sent to me, the consumer, then the reporting status of charge off is false and misleading representation and a violation of 15 USC 1692e.
|
| 09/17/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
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Web |
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I had car loan with GM Financial, they have the beginning date as XXXX XXXX, vehicle was not purchased until XXXX XXXX, which was voluntarily turned in XXXX of XXXX due to my financial situation due to a prior job loss. The car was sold at auction in XXXX XXXX. I received a notice from the IRS stating I owed taxes for XXXX on this car because GM Financial had turned in a XXXX for XXXX. I did not own the care in XXXX, there has been no activity on the account from me since XXXX XXXX. I also received a carfax on this vehicle, every year that I registered the car for my tag XXXX where I live, the car was also registered XXXX which indicates the car was suppose to be a lease, not a purchase as I was told by the finance company. The car was sold for XXXX and they turned in {$3600.00} on the XXXX, again in XXXX not XXXX the year I turned the car back in to the company. This was not earned income, I never received any income from GM Financial. According to all the fees, I more than paid the full price of the car and in addition they received an extra {$4000.00} when it was sold at auction. I have tried contacting the company many times and if I 'm lucky enough to speak with someone I only get the run around. BEWARE of this company!!!
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| 11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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It is unclear as to why they are now first coming after me when my lease was paid in full in XXXX of XXXX. Back in XX/XX/XXXX they added this item to my credit report, and I submitted a dispute. At that time, it was in fact removed. I am now seeing it again.
I have submitted disputes to all XXXX credit bureaus and they are refusing to remove this item stating the company responded the account is accurate. I just sent proof of all XXXX payments made along with dates they were paid.
My account with GM financial is locked and I submitted a request to have it opened but no response. When I call, I am left on hold for hours and simply do not have the time for that.
This is negatively affecting my credit score. Please know that I take my credit very seriously as I was negative affected by my divorce years ago where my now ex husbands horrible credit affected mine. I worked very hard to get this cleared up and am sure to make all payments in full and on time which I have managed to do.
Attached below are the documents I sent to all credit bureaus which prove I paid this lease in full. There is also a cover letter and cover sheet showing my bank account with each payment on the date paid.
Any help would be much appreciated.
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| 08/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I got divorced and my exhusband XX/XX/2019 and he was taking the car that was financed through GM Financial and was suppose to get it put in his name and take me off per the Judges orders. I took possession of the XXXX and have been continually making on time payments of {$380.00}. He was paying me {$300.00} a month to make the payment so that I could pay the loan until he got me off the loan. He stopped paying me and stopped paying child support so there was no way I could pay the payment. I notified GM Financial and they didn't seem to care. They said I was the cosigner so if XXXX ( my ex ) did not pay then I had to. They also said that it was a civil matter and they would ruin my credit unless I paid since XXXX wasnt paying. Its not fair that this is hurting my credit when he was responsible for the payments. The car got repossessed. I just want this off my credit and it should only be affecting him. This isnt fare that I'm raising our kids on no support ( he got caught by XXXX and was forced to start paying again but has recently quit his job so child support is stopping again ). There is no way I can pay his debt too. And I can't afford to hire an attorney again to take him back to court for not taking me off the loan.
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| 02/01/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX, I paid my bill twice by mistake. I called to get a refund for one of the payments. After a few days of calls and speaking with different people, I was told that they have to get a refund check mailed from XXXX XXXX and sent to them, then they would send that check to me. However, I never received anything. I finally called about it to check on the status in XX/XX/XXXX, and was told the refund was processed and sent out on XX/XX/XXXX and that I should've received it. I told them I'd wait a few more days to see if it comes in. I called back after a week because I still haven't gotten my refund, and at this point, the XX/XX/XXXXbill was due. I inquired about having the refund check canceled and just reapplying MY funds back to the account. After being put on a long hold, I was told that the manager couldn't do that at this point but was told that an email was sent to the Finance department to see what can be done, and that I would receive a call back once they got a response. It has been 3 days now and AGAIN, no one has reached out to me. I just want MY money back or reapplied back to my account so that my bill is paid for XXXX ... considering I ALREADY paid it, and they have done nothing to help but waste time.
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report.
I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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Reported late payments to credit reporting agencies : XXXX, XXXX, and XXXX. All of these companies have different information and are not accurate in each report. In accordance with the fair credit Reporting act XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I would like every discrepancy removed from my report immediately.
|
| 03/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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To whom it may concern, I'm always very on top of making payments on time..
I have a auto lease with Gm Financial and my account was set up on auto pay ( conformation attached ) to make payments. The lease experience with GM ran smoothly until I got a email one day ( attached ) that my payment is past due. I was surprised as I knew that the payment was on auto pay and my bank account always had the funds available. After calling GM I was notified that my account was removed from auto pay by GM as it was past 30 months so GM resets the Auto pay setting. The problem is that I was never notified that my accounts auto pay will be disabled. If I would have been notified I would have been more on top of making the payment. The only notification I got from GM was only after my account was already passed due. I immediately made the payment once I was notified ( conformation attached ).
GM reported the late payment on my credit report which is severely damaging my credit score.
When I discussed it with a GM rep they did confirm that no notification was sent to me about this change they where not sure why. They said they will look into if they can remove the late mark from my credit report. But i Never heard back from anyone.
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| 08/05/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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When I started the vehicle lease in XX/XX/XXXX I purchased extended coverage for excess wear and tear protection up to {$5000.00}. When the lease was returned, I was provided the lease inspection report and told that a final bill of the charges would be sent out. I have not yet received the bill. I have spoken with GM financial on 4 different occasions starting on XX/XX/XXXX when the final charges were reported on my credit report, then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX trying to get a copy of my final bill needed to submit for payment against the coverage. I have been informed the bill was sent onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX not available for view, electronically through the GMfinancial website and my online account, and I have requested on multiple occasions to have my bill sent to me. GM has provided no resolution to me not receiving my bill in the mail and refused to send it to me electronically to ensure receipt. It is nearing the time that payment would be due to avoid any negative credit reporting to the credit bureaus. I have also explained to them that I will be moving which will further delay me receiving a mailed bill because it has taken them over a month to issue the statement.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American, Servicemember |
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GM Financial misapplied my personal property tax payments made in XXXX, XXXX and XXXX, XXXX, resulting in their sending monthly billing notices to me throughout XXXX for XXXX-due. Despite my repeated attempts ( over a year ) to get the misapplications corrected, GM Financial would not acknowledge that it was their error until I finally located a customer service manager in early XXXX, XXXX who agreed and I reached an agreement to make a " catch-up '' payment in XXXX, XXXX once the account structure was corrected, which I did on XX/XX/XXXX. Instead, GM Financial that same month reported me as " past-due '' to the credit bureaus, despite the agreement I had reached with the customer service manager. This result is the epitome of a " Catch-22 '' and I view this as an unwarranted and untrue punitive credit reporting action, and my attempts to get this reversed or corrected have been ignored to date by GM Financial - it is evident that they have the " power '' despite the gross inequity of the action. The payment history GM Financial submitted in response clearly defends my version of how they misapplied my payments but conveniently omits any reference to the ongoing dispute I was trying to rectify for over one year.
|
| 10/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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On XX/XX/2016 I submitted a payment in the amount of {$740.00} for pass due payments. My electronic payment was accepted by GM Financial on XXXX XXXX, 2016 at XXXX eastern standard time, referenced with Trace Number XXXX. However, my car was then repossessed on XXXX XXXX, 2016. Due to the nationals holidays in the United States and XXXX I had to place several calls and spoke with several representatives that could not or would not be of assistance, on XXXX XXXX, 2016. I placed several calls on XXXX XXXX, 2016 with the same result. I went as far as obtaining proof of payment from my bank and faxing it to GM Financial via fax number XXXX. However, not until XXXX XXXX, 2016 did I receive a call back from GM Financial. My conversation with GM Financial consisted of them calling my bank for additional proof that my payment would not be returned to the bank. I was then told that in order to receive my vehicle from repossession I would have to pay additional fees which included a {$520.00} repossession fee. I am disputing the repossession fee since GM Financial had my payment for 48 hours prior to issuing repossession. In the last 3 years GM Financial has had XXXX complaints escalated to the Better Business Bureau.
|
| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I leased a vehicle through GM Financial Leasing. I returned my vehicle in XX/XX/2020. My final billing was sent for {$880.00} which includes the {$490.00} Disposition Fee and {$390.00} for Excess Wear and Tear. When I leased the vehicle through GM Financial, I purchased Excess Wear and Tear coverage to cover any extra fees at turn in such as the {$390.00}. I was not aware of having to file an insurance claim which I did. As a result, GMC received two checks. One personal check for {$490.00} and another check for {$390.00} from the insurance company. Both checks were received in XXXX by GM Financial, GM confirmed they received both checks, but one has yet to be applied to my account. It came to my attention at the beginning of XXXX that GM Financial reported my outstanding balance to the credit agencies dropping my credit by almost XXXX points. GM Financial wrongly reported me. I have talked with them multiple times weekly, with also asking to speak to a manager/supervisor, always with a response that one will have to call me back. I finally received a follow up call today but with the same response that they will research my account. This is having an impact on my personal life as I am trying to get a loan.
|
| 04/04/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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On XX/XX/XXXX I spoke with a representative in the GM Financial Recovery department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( XXXX XXXX XXXX ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time GM Financial verified the debt and stated they were still collecting on the debt.
On today, XX/XX/XXXX I contacted XXXX ( XXXX XXXX XXXX ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for GM Financial. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.
|
| 04/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/2023 I called Gm financial to have my account notated to apply all future overpayments directly to the principle.
The first customer service rep informed me that any overpayment up to {$200.00} would be automatically applied to the principle but anything over that would require a call every time. I asked to speak with a supervisor.
The first supervisor reiterated everything the first CSR said. I asked for another supervisor.
The 2nd supervisor started out telling me that every overpayment would require a phone call to get it applied to the principle. After speaking for several minutes and informing them what i had been told by the previous customer service reps they changed their story to say that if I made 4 overpayments in a row, with calls, that on the 5th overpayment that i could call again and get them to apply all future overpayments directly to the principle...
This seems like a very shady business practice to me. To put overpayments to the principle behind a phone call and subsequent wait time is to discourage early payoff first and foremost and secondly to misapply overpayments if the customer does not check on where the payment is applied. This puts too much burden on the customer.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by GM Financial.
Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at GM Financial XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date.
Thereafter, I reached out to GM financial regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX.
My GM Financial statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXXXXXX XXXX late, and I am requesting an immediate update to all XXXX bureaus.
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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On XX/XX/2021 I decided to search for a vehicle so I went online to XXXX XXXX website and applied for a car loan and was pre-approved for {$35000.00} so I took the pre-approved letter to XXXX XXXX of XXXX fl and spoke with the sales manager by the name of XXXX XXXX I handed the letter to him and shortly after I was approved for the amount with a approved trade in and I was able to drive off the lot with my new vehicle. However, the same day about a few hours later I started getting alerts that my credit was being ran by random lenders and I didn't know why so I called XXXX XXXX to ask why my credit was ran so many times when I had been approved the time my credit was ran the gentleman which was the salesman who sold me the vehicle said didn't know why they ran it so many times. So I'm seeking help from you to have all inquiries in question to be removed immediately because my report was pulled 9 times without my authorization please and thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX GM Financial XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX
|
| 07/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a vehicle reposted after setting up payment arrangements. There was no notice given of repossession. GM Financial also says they have no record of pending payments. They said according to Virginia Law no notice is needed but from what I found, a notice of 10 days is needed.
The Virginia Consumer Protection Law and Title XXXX of the Code of Virginia outline the rights consumers have against lenders performing repossessions of their vehicles. The Virginia Code requires lenders to disclose their rights in their written loan contracts before they can legally repossess their vehicles. If they fail to disclose their rights to repossess, they can not proceed with repossession.
Written Notice Effective XXXX XXXX, 2010, the Virginia Assembly passed legislation requiring lenders to send borrowers a default letter before attempting to repossess their vehicles. The lender must send a written notice by first-class mail at least 10 days before repossession. The notice must state the amount of principal and interest due and owing, and alert the borrower of default and provide him with notice of the lender 's ability to repossess the vehicle if the buyer does not pay the entire delinquency by a prescribed date.
|
| 10/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
GM Financial has right on their website that all leases will be AUTOMATICALLY extended month to month for up to six months in one month increments, and nothing more needs to be done. We needed to extend our lease and saw that and nothing else needed to be done. GM also had our wrong email ( missing XXXX in it ), used the corporate office number to contact us about a late payment ( must have been off the credit application because we never provided it, as it is not a number my husband can be reached at, and an old address so we never received ANY notice of the late payment and assumed it was all fine since their website reads that it will automatically extend month to month. The day we realized we had a late payment ( first EVER ) we paid the double payment. We contacted GM- they told us to contact credit companies. I filed disputes with all three credit companies-all were denied. I contacted the credit companies and was told to contact GM. I contacted GM again and got nothing in response at all. Our credit score is ruined and it was not at all our fault that the website ( STILL READS TODAY ) that it will automatically extend-it doesn't state that it shuts off autopay, or that the payment changes in NY.
|
| 08/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
My payment was due on XXXX and I attempted to login just a few days late to make a payment. But I was restricted from accessing the online portal. I was only 8 days past my due date. The only option was to make a payment by phone with a {$7.00} pay by phone fee. I refused to pay the fee when I was only 8 days past the due date. Today I received an email from GM Financial that said that my account is 25 days past due and to login to My Account to make a payment or for payment options. I clicked on the link in the email that they sent to me today and attempted to login. I received the same message at login that my account has been restrict from online access and to call. Again they want to charge me a phone fee to make my payment. If they would not have restricted my online profile or not charged a phone fee I would have already made this payment weeks ago. I feel that GM Financial is intentionally making hard on it customers that want to make payments on accounts that were less than 30 days past due. i have never been in a situation where a bank or lender intentionally makes it impossible to convientently makes payments on my accounts.
Thank you for investigating this complaint with GM Financial.
|
| 03/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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On XXXX XXXX, 2015 we opened an auto loan with GM FIANACIAL. For an additional cost we purchased Gap Insurance. On XXXX XXXX, 2015 the auto was involved in an accident which resulted in a to loss claim My auto insurance as well as GM were notified. In XXXX I started receiving collection calls and also a billing statement that stated I owed {$1000.00}. The statement also declared a remaining balance of {$5500.00}. When I called about the {$1000.00} GM stated that the ck they received from my car insurance was applied to the principal. Therefore since the loan was not completely paid off I owed {$1000.00} in late payments .XX/XX/XXXX Gap paid toward the loan the amount of XXXX. This resulted in the balance remaining. Spoke with Gap they said they came up with the figures based on the GM payment history .I then spoke with GM again and they said that until my account was paid in full and closed that I would continue to be charged monthly.On top of that they turned my husband and I into the credit bureau which made our scores go from fair to poor.We did n't even know this until we went to try and get a loan for another car.Furthermore they still had not correctly updated ourinformation on our cedit
|
| 06/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a new XXXX XX/XX/XXXX financed through GM Financial. In XX/XX/XXXX, my motor went out in the vehicle. The car was towed to XXXX dealership, and it was confirmed the motor was gone. I had around XXXX miles on the vehicle, and GM Financial would not replace the motor even though it was still under warranty. I told them they can pick up the car because there was no way I could pay for the car and get the motor replaced. GM Financial did not offer any assistance in the matter. Therefore, since the car was deemed as totaled, my insurance company paid a portion of the balance and thereafter the car was recovered.
Around XX/XX/XXXX, the car was recovered by XXXX XXXX and charged off. However, XX/XX/XXXX, GM Financial is now reporting late payments on my credit report which is ruining my credit. How can the car be charged off and reporting late payments? I have not been in contact with XXXX XXXX the charge off. I have not any activity on this account none whatsoever. The account was closed charged off and date of last payment inaccurate and they would not delete I have read several articles with GM Financial using unethical practices. This is really emotionally disturbing and stressful.
|
| 09/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
someone with the name given, " XXXX id # XXXX with GM financial, '' claims over the phone that I owe a large sum of money to GM Financial. I have been hung up on by these people several times. I repeatedly request written correspondence via us mail ( a Bill or Statement etc. ) that I may have an opportunity to examine them and take the necessary steps to resolve the issue. Not once has anyone sent anything or provided any documentation to me whatsoever though their reporting to the 3 major consumer reporting agencies has tainted my credit and drastically lowered my score. I had been in the process of pre-qualifying for a VA home loan and now, I am told I can not due to the now very low credit rating. My family life and professional life has been halted completely and I require resolution / remedy. If a person or corporate entity claims I owe them something, they must then present their claim in writing, affording me the opportunity to resolve the matter. They refuse to offer or present any remedy therefore this case is dismissed, account closed, all reporting from GM financial to the major consumer reporting agencies, ie XXXX, XXXX, XXXX, need to be dissolved and completely removed at once.
|
| 05/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
The issue is with GM Financial.
The lease on my XXXX XXXX XXXX was about to expire, I had the inspection done about 3 weeks before the car was due to be handed in. The excess wear and tear items were : 1. Damaged Car Emblem 2. Missing charger 3. Missing spare key 4. One tire with too low tread.
Total : over {$850.00}.
I figured I had 3 weeks to clear these up. So.
1. Emblem was just covered in plasti dip, so I removed it.
2. The charger was at home, the inspection was done at work.
3. The spare key was at home, the inspection was done at work.
4. Got the tire replaced with a used that had more tread.
I returned the car to the dealer, who had no issues, they checked the spare key and charger, both of which I supplied to them Today, I got a letter from GM Financial, requesting the full amount. I called them and they were not interested to hear that I turned everything in, and insisted it was my job to prove it all. I don't have the car anymore, I turned it in about a month ago.
The guy who did the inspection said that I would be fine and just make sure I return the charger and key when I give the car back.
This is clearly a rip off. I even washed the car before giving it back.
|
| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Notice to repossess
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX, I entered into a lease agreement with GM Financial who at the time did not advise me of my right to opt out nor was I given any information with regard to the Truth in Lending Act, or any other rights I may have been afforded by law. From XXXX of XXXX until XX/XX/XXXX, I made approximately 14 payments amounting to {$6400.00}. It is my understanding that vehicle was charged off in XX/XX/XXXX. I never received and notice of repossession and when I called GM Financial regarding the status of the vehicle in XX/XX/XXXX. I was told that the XXXX XXXX XXXX had advised GM Financial not to return the vehicle. The XXXX XXXX XXXX 's advice has no bearing whatsoever over GM Financial nor any other corporation and confiscating minus a Judicial or court proceeding my property is a gross violation of my rights. Further, the vehicle was charged off in XX/XX/XXXX, again without notice to me and GM Financial has yet to communicate this information to me as well. GM Financial has violated my rights at every turn and had continued to contact me four years after the fact for payments. GM Financial has also report this adverse information on mt consumer report along with an allege debt of # XXXX.
|
| 03/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED.
GM Financial will not acknowledge that they withheld that information. However the agents on the phone have. the only response has been from a letter from XXXX XXXX XXXX XXXX Department XXXX Complaints XXXX XXXX ) XXXX ( w ) | ( XXXX ) XXXX ( f ) XXXX does not answer or return calls.
In her letter she stated - XXXX does not cover any payment extensions you may have received throughout the life of the account. she also recommends calling the XXXX number if we have any further concerns. When this occurs the agents do not know who to connect us to and send us to a random voicemail when asked to speak with a supervisor who also will not return the call.
- GM Financial is Avoiding our requests to speak with a supervisor.
- That XXXX coverage was financed ( while paying interest ) on the loan by GM financial - GM Financial offered a payment extension and never disclosed accepting the extension would affect another product being financed by you. This was never mentioned during call when the offer of the extension was made.
|
| 09/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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On XX/XX/XXXX I took possession of a vehicle from XXXX XXXX. They took my XXXX XXXX XXXX as a trade. The payoff of my previous vehicle was not made timely from the dealer XXXX XXXX. On XX/XX/XXXX XXXX XXXX told me that they requested for GM Financial to correct any late payments to my account. This did not occur. In XXXX of XXXX I started the process of buying a home. I learned that GM Financial had reported two late payments on each of my credit reports. The late payments were for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted the dealership to have them remove the late payments from my credit report. From XX/XX/XXXX - XX/XX/XXXX GM Financial has been contacted many times. They have even received a letter from XXXX XXXX stating that the late payments are not due to any action of mine. GM Financial refuses to remove these late payments stating that the loan is paid or they don't know how or won't do it. GM Financial has violated the Fair Credit Reporting Act. They have been notified that they should not be reporting any late payments but they refuse to remedy the situation despite the fact that I as of XX/XX/XXXX I no longer owned the vehicle they are reporting the late payments for.
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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At the end of my lease I purchased my vehicle by sending in proper documentation and a bank check. When I received title and bill of sale for vehicle the mileage had an extra 0 at the end taking my my from aprox 42,000 miles to 420,000 miles. This created an issue in titling the vehicle in my name because I am not able to correct the title according to Massachusetts RMV. Because the mileage is written on the bill of sale and title an affidavit for correction must be supplied from ACAR leasing along with an updated bill of sale. I called ACAR leasing ( aka GM Financial ) to request this on XX/XX/2022. To follow up I also mailed a request with copies of the documents they sent me plus I added the lease buy out forms again double checking mileage was correct and even included a affidavit for correction filled out but needed their signature. Over a month later I am yet to receive any documents from them so I can register my vehicle. When speaking with their customer service they insist they've mailed it on XX/XX/XXXX which would have arrived already. This is the second vehicle I've purchased at the end of a lease in which it takes them over 2 months each time to get the proper documentation.
|
| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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This concerns GM Financial. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid my XX/XX/XXXX payment which was due XX/XX/XXXX on XX/XX/XXXX which was one day late, not 30 days late. They reported to XXXX that I was on time. They reported to XXXX and XXXX XXXX that I was 30 days late in XX/XX/XXXX. I caught the account up in XX/XX/XXXX and can not have them showing 30 days late when i was not. Also, XXXX and XXXX show a balance of {$17000.00} which is incorrect and XXXX shows a balance of {$13000.00} which is correct. I made 4 payments in XX/XX/XXXX and XX/XX/XXXX to catch up. GM Financial told me that they had a system update in XX/XX/XXXX and could not report until XX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/XXXX ). They tell me they reported and can not correct until the XX/XX/XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.
|
| 03/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
I returned a car, early, to GM Financial Leasing after a 48 month term on XX/XX/2020. The car was scheduled to be returned by XX/XX/2020. I received a letter today dated XX/XX/2020 from the leasing company with an " itemized breakdown of the remaining amounts due on my account ''. They are requesting a total of {$650.00} for a disposition fee {$590.00} + {$.00} past due payments + {$56.00} for " official fees/taxes imposed by government agency ''. This money is due on XX/XX/2020 and they threatened to report non-payment to the credit reporting agencies. I called and spoke to their representative who explained the disposition fee is something I have to pay because I did not lease or buy another GM product. I was not happy with the car. I subsequently did not choose to buy or lease another GM product that I consider substandard. The car had a fender that popped out and the service person at the dealer knocked the fender back in with his fist. No bolts or glue to hold it together. I returned the vehicle in good condition with no excess wear & tear, XXXX miles under mileage allowance & a new set of tires. I talked to XXXX & his manager, XXXX ( ID # XXXX ) and they would not waive the fee.
|
| 11/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
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The problem is with GM Financial and the difficulty I 'm having with the company applying the funds that I sent, before my first regular monthly payment, to principle only. According to what I read, from the company 's literature, all funds made previous to or after a regular monthly payment or simple interest payments would automatically be applied to the principle. I also spoke with a representative who pretty much said the same thing ; before I ever made a payment. In the month of XXXX 2015 I paid a total of {$3800.00} on my car loan. To date my monthly payment has not changed even though I paid {$3500.00} over my regular monthly payment. The months owed on the loan was corrected to show that I now owe for XXXX ; that 's it. At first when I called I was told that the situation will be corrected. The last time I called I was told that my payments would stay the same and the months I owed would stay the same. What I had been doing is basically making early payments. When I email but get no response.
Snippet of email sent to GM Financial '' I made a totalpayment of $ XXXXdollar on myaccount. I havecalled severaltimes to make surethat all of thefunds are appliedto my principleONLY. ''
|
| 03/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
|
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GM Financial took over {$3400.00} out of my account without authorization for a turned in lease over a period of months. We assumed the payment coming out was for our active lease. It appears the new lease ended up 60 days behind because of the payment being removed and applied to a closed lease. We were refinancing our home when this hit and it has cost my family thousands. All I asked was my credit report to be updated. In over a decade Ive never missed a payment and GM Financial had over applied {$3400.00} on a closed account and only returned when we argued money had been taken. We had no access to the see the lease account w/ {$0.00} they posted payments to instead of new lease. They had {$3400.00} of stolen dollars if not misapplied as I signed a document all scheduled or auto draft payments for that lease would be cancelled. Ive never been late with them nor have any other late payments on my credit report, they XXXX my family as we had an opportunity to lower our house payment by {$1000.00} a month and GM Financial is unrelenting. I would like my credit report fixed and if not GM Financial I want GM Financial treated the same as any other company that steals consumers money.
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Between XXXX and XXXX of XXXX I sent a letter to GM Financial in regards to an account being reported on my credit reports. My husband purchased a vehicle with them and was awarded the vehicle in the divorce in XXXX. I attempted to call and write to them asking if there was anyway to remove my name from this account as he had possession of the vehicle and I had all the documented proof. I never received a call back, a letter back, nor have I ever received ANY bills or notices in the mail in regards to this account. They have made ZERO attempts to work with me or keep me informed as to what is going on with this account. At this point in time this debt is too old to remain on my account and I have asked them to request a tradeline deletion since they will not respond to any form of contact I have tried to initiate. When I checked my equifax credit report today there was an update that this account was " paid for less than owed '' and " paid charged off account '' and it is being reported as a zero balance. I am assuming my ex husband has finally paid it off. However, on my transunion credit report it is showing there is still a full balance owed as well as " bad charged off debt ''.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I leased a car through GM financial. I set up auto pay like I have done in the past previously to " set it and forget it '' and not have to worry about payments during the lease. It worked perfectly until the very last payment on the lease. I must have missed the fine print that said that the last payment could not be made automatically. So despite having the money in my account the auto payment system did not perform the last payment. GM financial says they reached out to me to inform me of the late payment, however the emails they sent were classified as spam so got sent to a spam folder and the phone calls were sent from non caller ID numbers. I would answer the phone calls say hello and recieve no response on the other end so I assumed it was a robo spam call and hung up. So I was never informed of this missing payment until I went to go turn the car in or buy it out at the dealership weeks later. I paid the last payment in full as soon as I was made aware. I have tried calling into gm financial support about the issue already 3 times and got different explanations each time. I am hoping this 30 day late payment on my report can be overturned as I feel it is not accurate.
|
| 11/25/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
I have a lease with GM Financial, and my leased ended XX/XX/XXXX, because of the COVID19 I extended the lease, after that extension I called to see what would be the procedure to return the vehicle and they advised me that the dealer was closed and if that was up to me to if I want to leave the car there unattended until business returns as usual, if not they will contact me to return the vehicle. I continued making payments to the vehicle as long as I had the vehicle. GM financial never called me, emailed or mailed me a letter, and came and repossessed the car. Now they Charged Off the account without contacting me at all, I am not sure what I am paying for with no final bill. This was a malpractice and the The Fair Credit Reporting Act explain that it should be fair when collecting and reporting. On XX/XX/XXXX I called GM financial and they said that the final bill has not been generated and it will be generated in few months.
another issue was that apparently with no explanation GM financial deleted my online account and when I when to make a payment i had no account, I had to call to recreate the account and in order to make a payment and that payment was 30 day late.
|
| 07/31/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
A XXXX XXXX was leased through me in on XX/XX/XXXX for my wife at the time. In XX/XX/XXXX, my wife and I were going through a divorce and she was going to obtain the lease on the vehicle since it was her vehicle. Paperwork was filled out and the lease take over was approved by GM Financial. Once the final paperwork was filled out and sent back, we were notified that she must resubmit the application paperwork. Once the paperwork was resubmitted a second time, GM Financial denied her taking over the lease. The courts approved that the lease and everything that pertains the vehicle is her responsibility as of XX/XX/XXXX. Due to GM Financial denying her in XX/XX/XXXX, my ex wife dumped the vehicle on me and walked away. The courts mandated that the vehicle be returned and see what was to be owed on the vehicle. Once the bill for the returned vehicle came in, it took several months and numerous court appearances to get my ex-wife to pay the bill from GM Financial for the returned vehicle. She finally paid the bill in XX/XX/XXXX. During all this time, an open bill fro {$7500.00} remained unpaid on an account which was originally opened in my name and social security number.
|
| 04/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : I am writing in regard to an account for which I am being collected from GM Financial. When I was married, my ex-husband and I purchased the vehicle for his use and upon our divorce, he was court ordered to assume the responsibility for the vehicle. He subsequently had the vehicle repossessed and as he is " uncollectable '' ( on and off the grid, infrequent employment and unable to locate ) - they continue to come after me.
I've been divorced for 6 years now and have worked over these past years to get my credit back. I am now finally in a position to purchase a home for me and my daughter and the GM Financial debt is an obstacle.
I have been in regular contact with GM Financial for 6 years and am attaching a letter I wrote to them in XX/XX/XXXX which will provide background and also attached my Judgment of Divorce.
Please help us. My daughter has minimal contact with my ex-husband and I am the one providing her a safe home and foundation. I have cried, begged and pleaded with GM Financial to abide by the Courts order and ensure the liability lies where it belongs, with my ex-husband.
Thank you in advance for your help.
XXXX XXXX XXXX
|
| 11/10/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
Lease terminated XXXX, XXXX, two months early, very low mileage. {XXXX} excess wear and tear charged and an unauthorized charge of XXXX for " Sale Expense ''. Called XXXX ( 3rd phone contact ) and they waived ( deducted ) XXXX and stated XXXX} would cover the entire bill. ( XXXX, employee # XXXX, lease recovery department ). I sent in the {XXXX} with the knowledge they would return my XXXX} check - but they cashed the XXXX immediately after the call.
Return calls are always unproductive " because you are not authorized to talk about your daughter 's account '' - my daughter has authorized them to talk to me on four occasions. GM Financial routinely loses records of prior conversations.
I noticed they actually did not deduct the charges, but cashed my check for XXXX. Since then they refuse to talk to me " because I am not authorized ''. My daughter works in a hospital and has limited access to her phone during business hours ; she has called them four times and authorized me to speak to them about the account. They always deny that they have authorization.
They tricked me into paying XXXX in exchange for a {XXXX} rebate, then declined to give me the {XXXX rebate.
|
| 08/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Please make appropriate corrections reported as late payments on listed GM account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
|
| 03/04/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I leased a new vehicle through GM Financial on XX/XX/19, at that time, the dealer paid my three remaining payments and purchased the vehicle. These payments were sent to GM Financial.
As of XX/XX/19 GM Financial has not applied the payments. The dealer has called GM to resolve the issue and GM has yet to update the account.
I am currently closing on a home in 3 weeks and the inaccurate information on my credit report is adversely affecting my current standing and is a threat to successfully closing my home.
I reached out and chatted with XXXX iwth GM who refused to provide any information to me other than the account showed unpaid.
She would not seek information from accounting, review account notes from the dealer 's conversation.
So I reached out to the dealer who reached out to GM again. This time he provided a corporate contact, XXXX XXXX, to aid in resolving the matter. I called XXXX and left a voicemail but have not heard back.
Given the time sensitive nature of the issue and GM 's historical difficulties with payment applications, technical glitches and inaccurate migration data, I do not feel confident this will be resolved without the aid of the CFPB.
|
| 02/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I purchased a new 2019 XXXX XXXX in XX/XX/XXXX, put money down gave them all my info and in XX/XX/XXXX received my first bill which I promptly paid. In XX/XX/XXXX I got a call that my XX/XX/XXXX payment was due I said I had not received a statement and was told they would promptly send me another, I didn't.
Saturday the XX/XX/XXXX received another call saying I am now 2 months in arears I explain I haven't. received a statement for XX/XX/XXXX or XX/XX/XXXX I say send me a statement then they say first I must pay the 2 months owed, I say send me a statement and I will, they say no send a payment today. We discuss that point for a while then I inquire why am I not getting the statements, they list the address they are sending and I is horrifically incorrect ( part of my name as part of the adress0, it had been correct for the first monthly bill and " somehow '' got changed. I don't know if there is any recourse but at least I want to go on record saying how rudely, incompetently, how atrociously
GM finance operates. If there any questions about my statements or description here please contact GM, I am
sure they have a recording of these conversations.
Thank you
|
| 11/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have 2 car leases with GM Financial, earlier this year I had set up automatic payments for these accounts, I accidentally made both payments at {$1100.00}, one of the payments was supposed to be {$1100.00}. I was short {$74.00} every month for 5 months. GM Financial kept that shortage on my account and in turn I have 6 30 day lates on my credit. I did not receive a phone call letting me know I would be getting these late notices reported to the credit bureaus. Year to date if I would have made all payments I would have paid {$12000.00}, I have actually paid {$13000.00}. I understand I may have been late 1-2 of those payments but again I was never notified and I have made payments ever month. I called twice to ask to have some or all of these late dings removed from my credit and they said they are not wrong and it is too bad. I asked to speak to a manager and they would not transfer me or let me speak to anyone, the gentleman XXXX XXXX because he would not give me his last name, said his manager was busy and would not talk to me. I have been a GM car owner for 10 plus years and currently have 2 accounts with them and I just do not believe I was treated fairly.
|
| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Due to a few financial issues, a loan with GM financial was delayed is getting paid off completely. As the loan contract expired, I was behind with XXXX payment. I payed that amount and had XXXX left to payoff the loan. I attempted to contact GM Financial to negotiate a payoff amount since the entire balance remaining was related to late fees. They would not meet the expectation, which is fine, that is there prerogative, but when I went to make the payment, I was told that I could not use the online system or a payment with an agent because the loan was no longer active.
I was told I needed to mail a check, but the payoff was only good for 7 days. I don't know how, in the current world that we live in that they can make it so difficult to payoff the loan, unless it's designed to elongate the process and allow them to add additional fees, thus keeping me on the hook for even longer.
I feel I have completed due diligence to get the loan paid off completely and I feel like at this point all of the remaining balance are fees ( not interest fees that were agreed upon when setting up the contracted loan amount ). The late fees are something that they can adjust.
|
| 07/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
vehicle turned in XX/XX/XXXX, excess mileage. invoice never came, GM FINALLY sends out there first collection notice in XX/XX/XXXX, and has been reporting me continuously late on my credit report, damaging my credit score. FINALLY get through to GM, and request a duplicate copy of the detailed involce, as the dollar amount they are attempting to collect FAR excess the excess mileage charge. I am told " we only provide 1 detailed statement, you CAN NOT HAVE ANOTHER ONE ''. Their process for lease end charges is ABUSIVE ; they do not provide final invoice at the dealership, they mail an invoice 1 time, ( which went to the wrong address ). 6 months go by until they make a collection call,. my credit is damaged as they have been reporting negative all along ; THEN THEY REFUSE TO PROVID REQUESTED DOCUMENTATION. And the dollar amount they are now aggressively collecting 6+ months later obviously includes other charges, hidden fees ect. Multiply this behavior x how many 10 's of thousand 's of leases they have outstanding and you have your answer as to why they operate in this fashion. Please investigate not only my situation, but the general behavior of GM Financial
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section a Section 1 Section a : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 USC 1681 Section 602 : States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
11 USC 362 Section c Section 3 : XXXX XXXX Bankruptcies must be dismissed.
15 USC 1681 Section b Requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.
18 USC 894 : Using unlawful extortionate means is a violation.
|
| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX, I entered into a contract to purchase a XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX in XXXX, TX. Despite my contractual obligations and fully executed agreement, XXXXXXXX XXXX XXXXXXXX falsely represented to me and vehicle has been sold to another party. We were in contact with XXXX XXXX XXXX from the dealership who could not give us a direct answer regarding the status of the vehicle. He simply stated, they did not know where it was nor could he provide an estimate of when it would arrive to the dealership. I was made aware today that the vehicle was, in fact, sold to another couple already.
This false representation constitutes consumer fraud and deceptive practices in violation of the Texas Deceptive Trade Practices Act. XXXXXXXX XXXX XXXXXXXX XXXX actions have caused me significant financial and emotional damages.
I demand that your office take immediate action to investigate this matter and hold XXXXXXXX XXXX XXXXXXXX accountable for their illegal conduct. I am willing to cooperate fully with your investigation and am prepared to take legal action if necessary to seek justice for this deceitful and dishonest business practice.
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a vehicle loan with GM financial and after my husband lost his job my vehicle was repossessed. I was in discussion with many financial representatives for hardship status and after speaking with GMs representatives we came to an agreement amount in XX/XX/2016 that they would accept {$3800.00} as full settlement and agreed to dismiss the charge off and list it as paid in full per our conversation and agreement. This was not honored. I have worked very hard to improve my credit and have not abused lending. I have not been afforded any chances at reestablishing myself as GM/XXXX did not honor their end. If it was never the intention of the company to forgive the amount left over, they used a very dishonest way of misleading me into believing if I came up with this VERY large amount of money, that I would be free of this debt. They were able to sell the vehicle, I paid on the vehicle for a couple of years and I paid the settlement amount agreed upon. I would like this charge off, unpaid balance removed from my credit report and I would like an updated report sent to the companies who requested my information. Thank you for your time and consideration.
|
| 06/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have uploaded a deceptive form from GM FINANCIAL showing how they are in violation of 15 USC 1692j ( a ).
Pursuant to 15 USC 1692d ( 1 ) GM FINANCIAL is also in violation by using criminal means to harm my reputation which is my credit reports. They have threatened to negatively affect my credit and add additional fees and have stated it is allowed by federal and state law, what i don't understand is how they came to this conclusion? when I have proof this was a consumer credit transaction and a finance charge was involved.
GM FINANCIAL is also in violation of 15 USC 1692d ( 2 ) they have used obscene and profane language by calling me a SCAMMER in the letter submitted.
I just want to make it clear that this is not a scheme or scam, NO this is very serious and my paper work I have sent in is very real. I will follow with a lawsuit next if I don't hear back. Remember not only are you civilly liable but CRIMINALLY liable as well. The CFPB has all the documents i have sent already form my last complaint and those are not fraudulent and they will hold up in federal court.
See the attached document for proof of all that i have spoken today thank you.
|
| 11/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX and XXXX XXXX I sent letters to Gm Financial asking for copy 's of documentation related to the deficiency they claim I owe on a repossession. I never received the legal documentation that i requested so I sent a second letter requesting the same documentation. Their reply for the first and second letter was the same. They sent me a copy of a contract and a copy of a billing statement on both occasions. They also sent me two other letters which are included in my uploads. Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.They are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I have never received any of these legal notices and documents. On the account payment history that they sent me it states that this account was charged off in XXXX.I did not receive this in XXXX and I still have not received them in XXXX even after 2 written request.
|
| 01/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My XXXX XXXX was deemed a total loss after an accident on XXXX/XXXX/XXXX. My insurance carrier, XXXX, issued GM Financial a check to pay off the vehicle in the amount of {$22000.00}. A copy of this check was emailed to me and, to confirm, XXXX stated that this check was cleared/cashed by GM Financial on XXXX/XXXX/XXXX. When I log into my GM Financial account online, it still shows that I owe my XXXX lease payment ( due on XXXX/XXXX/XXXX ). When I called the number listed to speak to a staff member regarding this billing error, I was told that they do not have any record of this check. Even when I confirmed that they had cashed the check and are now double-billing for the car, they suggested that I contact XXXX ( who has n't done anything wrong ) to fix the problem. The staff I spoke to in three separate instances yesterday offered no help in how to go about fixing my account. I want GM Financial to correct their error to show that I owe {$0.00} and to also issue a letter stating that they will correct any adverse reports submitted to any credit reporting agencies because as of today, XXXX, they are stating that I am late on my XXXX XXXX lease payment.
|
| 07/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
GM Financial XXXX XXXX XXXX XXXX Arizona XXXX office is XXXX XXXX and XXXX XXXX their customer service XXXX in XXXX XXXX to the present account # XXXX they continues to call my home and my cell phones XXXX and five times day and night we only have XXXX more payments remaining of {$2000.00} to make on our vehicle and we have spoke to several representatives over the phone numerous of times letting them know about our financial hardship and my wife is very sick and she is fighting with XXXX and she has been out of work from XXXX XXXX to the present it appears they do n't care, when we make our payments we also include the late fees to but that 's not good enough for them. I would like for them to stop calling and harassing us everyday and nagging us we will continuing to make our monthly payment until the loan has been satisfied we never once said to them we are not paying our loan It appears to be that they do not know what they are doing from the representatives to management all they care about is harassing their customers for every nickel and dime they can get. Thank you very much for looking into this matter and I can be reached XXXX - XXXX - XXXX.
|
| 03/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Since GM Financial switched payment systems and companies they have failed to process payments.
I have spent HOURS calling them trying to get my payments posted. Every month I spend more time researching my account, payments, calling them, following up, getting proof of payment and all but BEGGING for them to post the payments.
My account is in a constant 'overdue ' status when its paid via electronic check every month.
I was assured last week the issue was resolved, yet again, they failed to apply my payment from Thursday XX/XX/XXXX.
I've worked with XXXX XXXX however he's just a facilitator to an endless cycle. I've lost time at work, I've lost sleep, I've had XXXX over the countless hours spent in nearly THREE MONTHS of this mess.
If this is not resolved, I will have no choice but to seek relief through court. I don't know what else to do.
Also, this is the second complaint I've filed with the CFPB, the first complaint was 'closed by the company ' reporting that they fixed this issue. Clearly that was a false statement.
Please do not permit this complaint to be closed without my confirmation that they've actually cured the issue.
Thank you
|
| 09/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
On Saturday XX/XX/XXXX my wife and I traded in our vehicle financed through GM Financial to XXXX XXXX. The Manager called GM Financial notifying them of the trade in and asked for the payoff amount. The check was mailed the following week to GM to pay the vehicle off. I did not hear anything from GM Financial until XX/XX/XXXX that my payment was late. When speaking the GM representative they had no knowledge or notes of the vehicle trade in. I spoke with and also listened to the manager speaking with GM Financial. GM had not received the check. I immediately contacted the dealership and spoke with the manager who told me it was likely the check was lost in the mail and he would reissue another one. He also asked for the fax information for GM and sent them notification of what occurred and that a new check would be issued immediately. GM Financial disregarded all of this and still hit my wife and my credit for being 30 days late on payment. I have sent copies of the faxed letters to all three bureau 's however they will not remove it from my report. I was in constant contact with GM as was the dealership. This needs to be removed from our reports.
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
I am having a problem because there are a lot of inaccurate information on my report. I have been a victim of identity theft. I have XXXX inquiries, collections and misinformation that does not belong to me.
I have varying birth dates, social security numbers, and addresses where I never lived and collection accounts that I DID NOT OPEN. I am XXXX years old and my credit is important to me. I am getting phone calls for some woman named XXXX XXXX, whom I suspect is responsible for this.I have tried to find out who she is to no avail. All of this stuff needs to be removed from my account. I can't have this issue continue.
This person, I assume is doing a lot of this online.I am now trying to rent a home, and all of this keeps coming up, it is NOT fair for me to have to pay for someone else 's fraud.
I am asking that anyone that inquires into my file, let it be known that Iam disputing my credit file and I AM A VICTIM OF identity theft. This woman XXXX XXXX is from New York, as far as I can tell and all she does is try and buy things in other people 's name. She is of XXXX descent, and scamming is her game. She is on XXXX, without a picture.
|
| 12/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I purchased a new vehicle back in XX/XX/XXXX from a XXXX dealership in XXXX, NY. I traded in a XXXX XXXX XXXX. I had a balance remaining. I made my last payment in the amount of {$340.00} on XX/XX/XXXX. The XXXX dealership paid the remaining balance off. They mailed a check to GM Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX in the amount of {$3700.00}. The check was cashed by GM on XX/XX/XXXX. I have copies of the deposited check. GM was over paid by {$590.00}. I have contacted GM several times regarding my refund. I still as of today XX/XX/XXXX have not received the refund. I was now told that GM will not process the check until XX/XX/XXXX. This is unacceptable. I paid this vehicle off 2 1/2 months ago. I should not have to wait this long for my money. As I'm writing this complaint GM has me on hold. I can not believe they can take advantage of a consumer by holding their funds for an extended period of time. They just hung up on me after waiting over 15 minutes on hold. Please have them expedite my refund. I do not want to wait until next year. If you need copies of the documentation I have all of it.
Thank you XXXX XXXX XXXX XXXX.
|
| 11/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran 9 times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.
|
| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Twice in XX/XX/2021 ( on XX/XX/XXXX AND XX/XX/XXXX ), XXXX reported my auto loan with GM Financial as being closed. This caused my credit score to drop not once, but TWICE this month. They now corrected the issue, but failed to correct my credit points that dropped as a result of their incorrect reporting. I contacted GM Financial on two occasions and they stated that my auto loan has been reported as open with all 3 credit bureaus monthly and this mistake was not on their end, but on XXXX end. When I called XXXX to get this matter resolved, the rep said " Im so sorry for your trouble. Let me get you the necessary information to remove a hard inquiry ''. I said " Sir, this isn't a hard inquiry. As I stated, this is an open report that is being inaccurately reported as closed! ". I need XXXX to correct their mistake and adjust my credit points that was taken away from me due to their error! This is very unfair as I am working extremely hard on keeping my credit score above XXXX. My score is now a XXXX! I'm attaching each days of the discrepancy to show how they removed and added on two occasions causing my score to drop on multiple occasions.
|
| 09/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been contacted by XXXX repeatedly, every week for four years. I had a vehicle that I leased through XXXX for four years. I completed the lease in full and returned it successfully with no monies needing to be paid as the car was in good condition.
XXXX has called me every week, several times a week, EVERY week since about six months after the lease was concluded.
About two years ago, told that that I did not owe the monies and that if they wanted to communicate with me, to do it through the mail. They sent one letter, then resumed their calls. At this point, they have called me a estimated minimum of 400 times, literally 400 times over a four year period. Ive told them that I dont owe the debt but they keep calling.
Please let me know what I can do to stop this. I can not believe a former creditor is allowed to harass me to this extent, particularly when I have completely fulfilled the lease obligation. I have reached the poinXXXX where seeing their number come up is making me sick.
I can obtain phone records to substantiate the frequency of their calls if needed.
Thank you for any help you can offer.
Sincerely, XXXX XXXX
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have contact these companies several times since XXXX XXXX. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights.
I have file police reports and sent all documents in to the creditors and the credit bureaus.
The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 06/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I XXXX XXXX, natural person, original creditor, cardholder, and federally protected consumer, initiated a consumer credit transaction as the creditor, with GM Financial using my open end consumer credit plan. My social security card is the credit card that initiated the transaction. The transaction included a finance charge and pursuant to 15 USC 1605, " the finance charge SHALL be determined as the SUM of ALL charges ''. GM Financial has violated my federally protected consumer rights by furnishing a deceptive form, creating the belief in I the consumer that an alleged debt was owed to them by me, when in fact I was not willing, and I was harassed by mail to pay to avoid an illegal repossession of my personal property granted from my credit, for the second time. GM Financial has violated me, and countless other laws under the Truth In Lending Act, and i have filed multiple reports with proof with the CFPB, FTC, and i have sent them multiple Affidavits of Truth sworn before the most high of creation, under the penalty of perjury, and notarized by federal witnesses to protect my rights and receive appropriate remedy as prescribed by law.
|
| 01/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial unfairly and improperly submitted late and/or delinquent reports to the credit agencies. I made every lease payment on time or early. I had a perfect payment record. The problem came after the lease ended. GM Financial charged me {$33.00} after the lease ( for unknown reasons ), and I never received a notice of the charge. I had signed up for paperless billing and notifications, but I did not receive any notice, either electronic or by regular mail.
The first notice I received regarding the " late '' payment was from my credit monitoring service, which let me know that my credit score had changed. Meanwhile, GM Financial had been reporting me for the " late '' payment notwithstanding the lack of notice or any attempt whatsoever to contact me, a loyal leaseholder for 3 years. My credit score has now gone from XXXX to XXXX, solely due to GM Financial 's unfair reporting.
I have called, messaged, and texted with GM Financial to no avail the call center is not staffed appropriately, the chat help center is incompetent, and the text message service does not respond appropriately. I have also written a letter to GM Financial.
|
| 01/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
My car payment is due on the XXXX of every month. It 's handled 100 % electronically. I do n't receive paper statements.
On XXXX XXXX, XXXX, I went online to the GMFinancial website to make my payment. There was a message that the site was down for maintenance.
The following Monday I attempted to call and got a recorded message that the customer service department was closed while systems were being updated.
I attempted to go online and to call every day.
Today, XXXX XXXX, the site went live again and GMFinancial is charging me {$220.00} in late fees ( on a {$380.00} payment ).
The payment was n't made because all of their systems were unavailable. The onus for any lateness in on them - I made every effort to make my payment on time and their system would n't allow it.
Additionally, I question why a late fee would be 60 % of the regular monthly payment.
During the time I 've had this account every payment has been made on time and every payment has been for more than the minimum payment due.
I do n't know if this is sloppy business or an intentional attempt to defraud me.
I request your help in resolving this issue.
|
| 05/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested the following documentation as stated below directly from GM FINANCIAL. On XX/XX/2021, I received a response. A copy has been provided. I have also included a copy of the letter I sent GM FINANCIAL. They failed to send me the requested copies of the documents that are required by law.
***************************************************************** Under the laws of the State of Texas UCC statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Please provide proof that the repossession of the subject vehicle was legal in accordance with the following State of Texas UCC : 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Since no proof was submitted, this claim of a deficiency is null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
|
| 05/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I should have walked away when processing the loan. In order to be financed, I was required to purchase an expensive extended warranty that I did not want, and expressed I did not want. Then, somehow XXXX gained access to my personal information in the loan application and started calling my employer trying to sell me service ( got me in a lot of trouble at work ). I thought that was private information. In addition to the extremely high interest rate ( which was my fault for agreeing to-I understand that ), if you are late, they hit you with incredibly high fees that can exceed your actual payment. When my husband lost his job, I fell behind on my payments. They called me XXXX a day, even after making payment arrangements. I had to request they contact me by email or mail, and not by phone because they were harassing me. They did not like that. Even now, when I call, they do n't want to talk until I give them a number to call me on. Then, without warning or notice or anything, they repossessed my vehicle when it was only a month past due. Stay far far away from this scam of a company. It 's like making a deal with the XXXX himself.
|
| 01/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
Debt Collector XXXX XXXX XXXX XXXX XXXX entered my property breaching the peace where they proceeded to repossess my automobile that was financed by the General Motors Financial where they were told Cease and Desist their collection attempts and was told to vacate the property address more than 10 times which was witnessed by the XXXX Police Department who so told me to move out their way to allow the Self Help Third Party repossessor to repo my only vehicle. The towing company damaged my property by damaging my parking shelter and destroyed the landscape Upon further investigation after the repossessors took more than 2 hours blocking my driveway and traffic on the street the Office of the Secretary of State of Texas confirms that the towing company was in tax forfeiture and prohibited from collecting in Texas and are refusiing my demand to return my truck and all of my personal property inside of which has prompted a criminal complaint to be filed with the XXXX Police Department which can been verified by XXXX XXXX of the XXXX Police Department in XXXX, Texas..
Full details and supporting evidence is attrached to this complaint
|
| 08/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a car loan through GM Financial and I had been paying my car note on time every since XXXX around XXXX I was in a hardship up until XXXX when I missed a payment and they have contacted me. During the conversation, I told them that I notice that they haven't been reporting my on time payments to credit bureau. She said yes we haven't because we been having a problem with our system and we just got a new one it will start reporting now. I said so there's nothing you can't do about it but instead they continued to call me on a daily basis and also have put a late payment on my credit. During the time I was paying on time they wasn't reporting. Also last year I had a back injury and haven't been back to work as of today. They gave me a defarament and didn't take off the late fees in which I was told that the late fees isn't included in that when I spoke with them in XXXX, but I was told that I would have to pay partial of my carnote in XXXX and it would push everything toward the end of my balance but it didn't. I feel like my rights was violated due to not reporting to the credit bureau until I missed a payment was unlawfully.
|
| 10/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I performed a one pay lease for the entire 36 month lease term ( e.g., pay the entire lease upfront ). However, GM/GM Financial does not properly calculate the Rent Charge/Interest due under the lease. In essence, GM Financial charges interest on the down payment, which results in paying interest on money that isn't actually loaned.
The formula to determine the Rent Charge is : ( Adjusted Cap Cost + the Residual Value ) * the Money Factor * 36 ( 36 = the number of months in the term ). In my case, the total should have been approximately {$3400.00} ( XXXX ) XXXX. GM calculated approximately {$4900.00}, which was due to failing to take into account the cash down on the transaction. Here is GM 's calculation ( XXXX ) XXXX.
GM 's failure to properly calculate the lease resulted in me being overcharged interest of approximately {$1400.00}.
I've requested a refund from GM Financial, but the customer service representative didn't really understand how to calculate a lease or have any idea what I was talking about, so he was unable to help with the transaction. He told me that he would have someone call me, but no one ever called.
|
| 02/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
ADVERSE ACTION ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by GM Financial XXXX XXXX XXXX I applied for an auto loan.
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). GM Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ 1681M 3.
12 CFR 1002 Since the letter you sent me dated XXXX XXXX both a proof and evidence that I have been discriminated against, you are also criminally liable. GM financial should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations.
BEST XXXX XXXX Without prejudice, all natural inalienable rights reserved.
|
| 04/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Mechanical issues with this vehicle started at XXXX miles ( XXXX ). I reported the issue to the NJ XXXX, GM and GM Financial who financed the lease. I have repeatedly returned the vehicle for service to the dealer to address the issue, which appears to be electrical or computer related. The issues experienced could jeopardize my safety, since the car stalls at random, which could place me in a very dangerous situation on a highway or at a busy intersection. The lease agreement is for 48 months commencing on XX/XX/XXXX, and I have repeatedly requested GM to either replace or release me from the existing lease obligation, which they refuse to do. The end date is XX/XX/XXXX. I have all receipts in date order and can provide all information required to support my case. The most recent incident with the car occurred on XX/XX/XXXX, where the car stalled yet again while out on errands. The car currently has 46,000 miles, of which approximately 1,000 miles have been placed on the car by the dealer to assist with issue identification. XXXX XXXX has the vehicle and I have been working with one of the service managers to address the issue.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Their is a loan from GM Financial that was closed in XX/XX/XXXX, and there was a late payment made in XX/XX/XXXX. XXXX and XXXX are showing the accurate information, but on my XXXX report it shows the account was closed XX/XX/XXXX, a late payment in XXXX of XXXX, and then it shows payment history 'OK ' all the way to XX/XX/XXXX with another reported late payment. They continue to update the account at XXXX, and will not removed any of the data after XX/XX/XXXX ( when the loan closed ), so it is showing that I have a late payment on the account a year after it was closed and paid in full. I have asked GM to fix it but they state they are reporting correctly ( this is why the other two CBs are showing accurate information ), but XXXX continues to tell me its correct and they do nothing to fix it even though it clearly shows the account was closed - paid in full in XX/XX/XXXX. So now it looks like I had a late payment in XX/XX/XXXX on that account and only on my XXXX report. This prevented me from getting a home loan, and I am not sure who else to go to have this fixed. They are clearly violating FCRA rules and they do not care.
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I returned a leased GM vehicle XX/XX/2019 and received a bill dated XX/XX/2019 onXX/XX/2019 stating amount due for disposition fee and damages {$1100.00} due by XX/XX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XX/XX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from GM financial XX/XX/2019 in the full amount of {$1100.00}. I called XX/XX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to GM financial I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to GM financial but could not remove the delinquency and suggested contacting CFPB.
|
| 06/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have had a auto loan through GM Financial for 4 years one payment was made late during that time. InXX/XX/2016 the company pulled several payments out of my bank account at once. Three payments to be exact. They took out the current month and two additional months payments. My bank pulled back the funds and investigated, They found GM Financial to be at fault. In the meantime the company repossesed my vehicle. It cost me a large amount with towing fees and storage fees and additional fees from GM Financial I got my vehicle back. Several thing were broken in my truck from the tow company. After all this they apologized I thought I will do my best to get out of the loan and away from this financial company. Now they have listed numerous late payment that were not there before and they are not reporting to any credit agency any payments or correct balances on my loan. ( Not reporting on anyones loans ). I recently went to purchase a new vehicle and was unable to. This company has me hostage. I called again today and was told there is nothing that can be done and they will not be reporting anytime soon. What are my options.
|
| 06/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
At the end of XXXX 2017 , I ran into a rough financial patch. I calle d GM Financial at XXXX , to request a deferment on my car loan on XXXX XXXX ,2017. During the conversation with the representative, she informed me that " Recently there had been legislature passed in the State of Texas that require s Auto Finance companies to collect a fee up front, Prior to considering customers for a deferment. '' Per the representative, the fee would have been {$970.00}. This would have been {$10.00} less th an 2 of my regular monthly payments. The representative informed me that t he State of Texas is the only state that requires that this fee is assessed. Per the representative the fee would be assessed to cover all of the interest from the payments, prior to completing the deferment. This has caused me to become late on my payment from XXXX , and it has been reported to my credit bureau. I reached out to GM Financial for assistance, prior to being late on my payment, and the solution was to charge me a fee that equals the same amount as the combined total of my monthly payments that I was requesting to defer.
|
| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
Servicemember |
|
To Whom It May Concern : Settled in full with GM Financial XX/XX/XXXX XXXX Credit reports reflect derogatory information.
I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the XXXX XXXX training course, I was transferred to the US XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX course in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia.
Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX for the XXXX XXXX and the XXXX XXXX.
XXXX has taken adverse action against me for the same debt. This harm to me during a pandemic is mostly because I am XXXX American. Can there be some since of justice? I never received the accelerant letter until last month. The Gap claimed I had requested last the 90 days and even after a settled in full contract another company has taken adverse action against me.
|
| 05/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was contacted by a company multiple times within a XXXX minute period. Including XXXX phone calls at my place of work. They called my cell phone at XXXX XXXX XXXX and XXXX. In between those calls they called my place of work XXXX XXXX and XXXX. I have nothing to do with the loan they are inquiring about, there is no way they would have had my phone number information. They did some type of research to find this information and would not stop bothering me. I do not think it is okay for a company to call that much and especially my place of work. That puts a bad image out for me when this issue has nothing to do with me. The company is full of liars. They said that my father and I were both put down as a reference which I know is not true. We have nothing to do with the loan holder and the loan they said was 4 years old and 4 years ago I had a different number and worked for a different company. And my father has had nothing to do with them in many many years. This is not acceptable at all and I hope that someone can do something about this because if they 're harassing me like this I 'm sure it 's happening to others.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to request the immediate removal of the late payment entries from my credit report the are in violation of the fair credit reporting act specifically 15 U.S. Code 1681 a ( 2 ) a ( I ) According to the FCRA late payments should not be reported as negative information. This effects my creditwillingnss and ability to obtain favorable credit terms. I kindly request that you investigate this.
Per FCRA, I expect acknowledgement of this law In accordance with the fair credit reporting act the creditor has violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy U.S.C 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681A section 2 exclusions does not contain solely as a transaction or experiences. Experiences between consumer or person making report 15 U.S.C 1661A section I transactions are NOT included in the consumer report.
I have filed a dispute with GM financial they refuse to remove it and I have talked to them multiple times, they are very hard to deal with and I want this negative remark removed
|
| 09/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation.
My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a XXXX XXXX ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions.
I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders.
I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan.
*I tried to upload my XXXX XXXX XXXX XXXX approved loan but since I purchased the car, I no longer have access to such document*
|
| 07/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I voluntarily surrendered my vehicle on XX/XX/2020 after being out of work since the pandemic on XX/XX/2020. I was provided misinformation on how to surrender the vehicle, then they didn't pic it up when they said they would after i volunteered to drop it off because I didn't want to be charged for it. Their rep XXXX XXXX told me I would not be charged for that they pay for it. It is attached to the fees on this letter i will update. I lodged a complaint with their corporate office I received 1 call no follow up. I am disputing all these fees especially when I am still not working and feel like I am being treated unfairly in a situation like we are currently in. I have filed numerous complaints against the company and they go unresolved. Also the letter in question says I will accrue interest until the date of the letter which I don't understand that when the vehicle has been in their possession since XX/XX/2020 but the surrender notice was signed on XX/XX/2020. I am being taken advantage of and it is not fair to me. You wrote off the account per my credit as closed charge off/ bad debt after adding a bogus late fee.
|
| 09/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
ON XXXX XXXX GM FINANCIAL REPORTED THAT MY ACCOUNT WAS 120 DAYS ON FOR A REMAINING BALANCE OF {$240.00} FROM XX/XX/XXXX AND XX/XX/XXXX THIS CAUSED BY CREDIT TO GO DOWN XXXX POINTS BETWEEN THOSE DATES IS NOT 120 DAYS!!!!
I PAID OFF THE REMAINING BALANCE ON XX/XX/XXXX OF {$240.00} THIS REMAINING BALANCE WAS ON MY ACCOUNT FROM XX/XX/XXXX UNTIL XX/XX/XXXX AND WAS NOT INFORMED BY GM FINANCIAL NOT BY PHONE, EMAIL OR MAIL I DIDN'T KNOW UNTIL I CALLED TO FIND OUT WHERE MY TITLE WAS I WAS TOLD 3 DIFFERENT STORIES BY 7 DIFFERENT AGENTS. I WAS TOLD I OVER PAID AND WAS DUE A REFUND. I WAS THEN TOLD I HAD LATE FEES THEN I WAS TOLD I ONLY OWED THE REMAINING BALANCE. GM FINANCE AGENTS SEEMED TO NOT HAVE A CLUE.
I PAID MY BALANCE AND GM FILES WITH CREDIT REPORTING COMPANIES I WAS LATE 120 DAYS EVEN THOU I PAID OFF MY BALANCE.
I CALLED GM AND THEY WOULD NOT CORRECT THE ERROR SAYING I HAD TO DISPUTE THE CLAIMS MYSELF SO I SENT LETTERS TO ALL 3 CREDIT RPORTING COMPANIES AND I'M ALSO ASKING FOR YOUR HELP I BEEN WORKING HARD TO IMPROVE MY CREDIT TO HAVE GM FINANACIAL XXXX IT UP FOR ME FOR NO REASON.
PLEASE HELP!
THANK YOU
|
| 03/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I was tasked with short notice deployment around mid XXXX. Once it was confirmed on around the XXXX, I proceeded to call companies to get my services stopped and deferred.
With GMFinancial, it doesn't seem like they respond at all to communications. When I contacted by phone around the XXXX, they kept me on hold or hung up the line. I managed to get hold of one on the XXXX and the representative told me to email the documents proving my deployment, after trying to figure out what I'm supposed to do.
I attempted to do that, but their email server rejected it.
" Your message wasn't delivered due to a permission or security issue. It may have been rejected by a moderator, the address may only accept e-mail from certain senders, or another restriction may be preventing delivery. '' I attempted to call over and over, but it's always the same thing. I've tried their emails, and the in-website service for " contact us '' 3 times.
I've been at my deployed site for 2 weeks with no response. If this keeps up, this will impact my credit because of their irresponsibility. I can not make phone calls out here either.
|
| 11/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
Please do not close this complaint. GM Financial is trying to get from me more than the vehicle buy out lease amount. The buyout lease amount was under $ XXXX. The dealership purchased the lease turn-in vehicle in the amount of {$10000.00}. GM financial is trying to get an additional amount over $ XXXX ( which they added to my credit report. While I understand that the mileage was over the amount allocated, GM Financial should not be allowed to receive more than the lease buyout amount. They were not amenable with dealing with me directly for purchasing the vehicle outright. I don't believe that a financial institution should be allowed to add undue financial duress on a client. GM Financial should request from me the amount of the difference between the lease buyout and the amount purchased from the dealership. Approximately a little over $ XXXX. I have not received any communication from GM Financial regarding rectifying this matter. Had I simply had this vehicle repossessed I would have been charged the difference between what the vehicle was sold for and what the lease termination amount would have been.
|
| 08/15/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Traded in a leased XXXX XXXX when purchasing a XXXX XXXX in XX/XX/XXXX ( another GM product ). Per GM, lease disposition fees are waived if borrower trades in for another GM product. Never should have been charged this fee. Never got a bill, never got a call, never went to collections, no correspondence whatsoever. On or about XX/XX/XXXX, 8 months after the transaction, our account was written off by GM Financial due to " Natural Disaster '' per my credit report. It is my firm belief that GM Financial did this to access relief money at my expense, irreparably harming my credit and costing me hours of time and potentially thousands of dollars in attorney fees to address a negative mark on my credit report that should have never been there I the first place. I demand that this is removed from my credit report immediately, and further, I implore CFPB to fully investigate GM Financial 's unauthorized and fraudulent charge off and reason code for said charge off, as they are clearly trying to take advantage of consumers, federal funding and the current situation to benefit themselves at the expense of consumers.
|
| 08/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/2023 I was driving my truck on the highway when the engine went bad while cruising at highway speeds. I did not receive my truck until XX/XX/XXXX. During that time period I had was given multiple courtesy vehicles from the dealership but none were a truck. I had to rent a truck to move my wife to Ohio and didnt have my truck for my wedding which I had to borrow someone else 's truck for that. I tried to work with GM to come to a resolution but they didnt not offer any compensation for my time nor the XXXX caused by the engine going bad while driving at highway speeds.
I filed arbitration with General Motors on XX/XX/2023 per the agreement I signed when I bought the truck. On XX/XX/XXXX, the XXXX XXXX XXXX informed me they are taking no new GM cases because GM is not complying with the XXXX 's policies regarding consumer claims. Thus violating the agreement we signed when I bought the vehicle.
GM also called me to XXXX me and violated our agreement by trying to get me to not follow the arbitration process. GM claimed it was a recorded line so there should be a recording of the phone call.
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
XXXX XXXX XXXX XXXX, NY XXXXXXXX GM FINANCIAL XXXXXXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
|
| 11/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports from XX/XX/XXXX to XX/XX/XXXX, regarding GM Financial Bank, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX via the online dispute portal. USPS verified that all my requests were received. This account has never been paid late. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA.
Therefore, I expect all these items will be removed from my credit files immediately.
|
| 04/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
XXXX XXXX sold us a XXXX XXXX XXXX XXXX We had informed them that we would finance it with them and refinance the next day with our credit union, due to them being closed for the day. We were told that was no problem. Fast forward to the finance office, everything is complete and signed at 7.79APR for 72 months. After we were leaving they told us we can not refinance for 3 months, which was not at all what we were planning on doing. We knew we could get approved at our local credit union around 3 %. After the 3 months the interests rates went so high it didnt make sense to do a credit inquiry for a refinance. 5 months after the purchase we were told by another dealerships finance manager that used to work at XXXX, that he was lying and the dealers make a commission on financing in-house, so if you refinance they dont make the commission. We reach out out to the finance manager from the original purchase via text and he now stated we had to wait 6 months to refinance. After this I read thru my contract and it revealed there is not prepayment penalties at all, and we could indeed refinance at any point.
|
| 11/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
gm financial hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to repossess a XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2021 at my home address XXXX XXXX XXXX XXXXXXXX XXXX XXXX i was not home at the time they left no paper work at all so i could not contact anyone. i finally got ahold of gm financial got the number XXXX i called the guy for XXXX left numerous messages, told i had the key, we played phone tag and i could not get ahold of him. my wife called to and left a message the XXXX asking them to send me the repossession paperwork and she also stated we had the key. i got a certified letter on the XXXXXXXX-2021statinf their would be a 50.00 handling fee and 5.00 fee a day for storage for 30 for unclaimed property. i called 0n XXXX-2021 asked for a prepaid envelope so i could send them the key i also stated i did not want any of the personel back a phone charger blanket and 2 camping chairs. i was than told they cut i key already and i would need to pay the 200.00 fee. i notified them i had the key and i am disputing these charges. they should have legally left me the paper work on the XXXX-2021.
|
| 01/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
We traded in our old car which was financed through GM Financial on XX/XX/XXXX. A new loan was originated with GM Financial the same day.
On XX/XX/XXXX, we called GM as we had not received a billing statement for the new loan. The representative told us that we did not have a payment due as an overpayment on our old loan was credited to the new loan. This made our first payment due XX/XX/XXXX.
Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
We have been continuously harassed stating that we are past due and missing payments when we have paid according to the information received from the company. On XX/XX/XXXX and XX/XX/XXXX, we received threatening phone calls from your company advising that we had to pay or else. And that we have somehow racked up late fees totaling over {$200.00} and have been reported more than 30 days late.
Please correct the account as we have not missed any payments. Also please coach your associates accordingly as it is not right to threaten a senior citizen who is just trying to do the right thing and making a payment every month.
|
| 12/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a vehicle at XXXX XXXX XXXX and I purchased encouraged by the finances department a gap insurance and extended warranty for the vehicle. The loan was transferred to another bank the vehicle was refinanced and the services with the current bank GM were cancelled, the payoff amount was sent in XX/XX/2023 after this payoff amount was sent, I requested for the gap insurance and the extended guarantee remaining money to be sent to me as a reimbursement, because I no longer have services with GM XXXX. After months of fighting and dealing with the bank the dealership and many requests done over the phone via email and in person, I still don't have my money reimbursed. I understand that this process takes time but how come the bank retains the money that is owned to me when they pay off amount was sent so long ago and the services were automatically canceled. I called and they don't answer my phone calls nor return any messages back. This is extremely disrespectful that they take your money and they don't want to give it back to you once they don't own it no more. I need help with this matter.
|
| 02/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
GM Financial continues to violate my rights as a consumer by refusing to validate an alleged debt that is on my credit file. I first noticed this debt in XX/XX/XXXX. On XX/XX/XXXX I sent GM Financial a letter via Certified Mail requesting they validate this suspicious debt thats on my credit file. On XX/XX/XXXX I received a letter from GM Financial saying they suspect the account was fraudulently established. The letter also said that I should go to their website and follow the steps needed for them to complete a investigation. I went to www.gmfinancial.com and found absolutely nothing about submitting a claim for investigation. On XX/XX/XXXX I sent them another letter notifying them it is their responsibility as the creditor to validate. I then proceeded to inform them they can validate this alleged debt by sending a contract containing my signature or something to that degree. On XX/XX/XXXX I received a letter from GM Financial requesting that I give them a call. I need GM Financial to send me proper documentation validating this alleged debt via USPS or remove it from my credit history report.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
GM Financial offered us a payment plan in XX/XX/XXXX for the remaining balance on our car loan. We could pay the lump sum or spread the payments over six months. We were told that is we chose the six month plan we would not be marked late or have any fees or interest. So instead of paying the lump some we chose the six months plan so we could have the additional payments on our credit which would help boost our score and help us to buy a house. However, GM Financial marked us late for XX/XX/XXXX, then when we disputed it with them, they now moved the late mark to XX/XX/XXXX. We should not have any late payment marks on any of our credit reports for GM from XX/XX/XXXX to current. We have tried many times to get this resolved. This whole six month plan is turned in to being very deceptive and abusive. If this was going to hurt our credit we would not have taken the offer. We would have paid the lump sum. No one mentioned being reported late, rather they mentioned not having late fees. Also, no one reached out when the payment was considered late. It isnt fair that we should suffer this consequence.
|
| 04/03/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been working with GM Financial over the tax bill for my leased ( now purchased XXXX vehicle for taxes incurred in XXXX. I did not receive any notification or paper work in regards to this bill from GM Financial and all of a sudden had debt collectors calling my phone. I responded immediately and spoke with representatives on XX/XX/XXXX and they promised to send the requested paperwork along with all tax forms dating back from the start of the lease. To date I have not received the promised paperwork and received another call from the debt collection agency today. I promptly returned there call and advised I still have not received the required paperwork of proof to pay this bill. I was advised they may not be able to now send me the paperwork and was also unwilling to keep the account on hold even though they could not fulfill there obligation. Due to there negligence and uncooperative nature I will be subjected to my credit being affected. This is an immoral injustice and as a tax paying citizen I have a right to see every tax related bill I have paid and will pay. Please help, thank you.
|
| 03/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I've been making my payments on time and applying additional principal to my payments. My principal applied to my payments had been going up why interest going down but my last payment, the principal decreased and interest rose. My monthly payment is XXXX and I originally was paying XXXX. I found out after doing this, they weren't applying the additional money to principal by just reducing my next month 's payment. So I called and they told me that I would have to call them and have the payment changed to reflect the additional principal to come out, which I did. Here how payments were applied.
DATE ACTIVITY AMOUNT - XX/XX/XXXX Payment received. {$720.00} ( {$650.00} principal + {$67.00} interest ) XX/XX/XXXX XXXX {$60.00} XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XX/XX/XXXX Payment received. {$720.00} ( I made payment of {$800.00} ) ( {$550.00} principal + {$160.00} interest ) XX/XX/XXXX XXXX {$73.00} As you can see, my XX/XX/XXXX had less principal applied and interest increased
|
| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to formally dispute and request the correction of inaccurate late payment information that has been reported on my credit report. I have carefully reviewed my credit report from your bureau, and I have identified discrepancies regarding late payments that do not accurately reflect my credit history.
XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or GM FINANCIAL customer service.
Please provide a written response acknowledging the receipt of this dispute within 30 days, as stipulated by the FCRA. Additionally, I request that you inform me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report.
I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of consumer credit reports. If you require any further information or documentation, please do not hesitate to contact me.
|
| 03/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
-My family and I have had repeated phone calls from XXXX ( an associate of GM Financial ) associate. We have spoken with them on the phone and they leave messages. I have no relationship with them now nor have we ever had any. They are contacting us trying to contact my Brother ( XXXX XXXX ), asking does if he lives here. We have told them repeatedly that he does not reside with us. The phone number they call from is XXXX.
After listening to two separate messages they left, I noticed both people obscured the last couple digits of the number they left to return the call too by speaking fast. This leads me to believe the purpose of the call is purely harassing and they know the person they are trying to contact cant be reached at the number but assume by harassing us that we will contact him. Even if I wanted to, I can not and have not had contact with my brother for several years.
On XXXX XX/XX/2019, I contacted GM Financial customer service directly and informed them that I consider the phone calls harassing and requested they stop having XXXX contact us. They said they would look into it.
|
| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, GM Financial has reported I have missed my payments for 4 months! I called GM Financial and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for GM Financial to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing!
Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for XXXX months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX
|
| 03/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
RE GMAC Financial Leasion XX/XX/XXXX Turned in my lease to the dealership XX/XX/XXXX called to check on status of my bill. Told me it may be up to 90 days.
XX/XX/XXXX called again to check on status as was showing up as unpaid debt on my credit reports. They told me this was impossible since the bill was not completed.
XX/XX/XXXX After failing to acquire a loan b/c of " overdue '' charges, to my GMAC Financial, I spoke with " XXXX '' and then " XXXX '' who noted " there was trouble with the system '' and they would expunge the negative report from my credit ( did happen ) ; send me a copy of the correspondence ( failed to do this ) and refused to have someone reach out to me RE what went wrong and how they would correct this in the future.
XX/XX/XXXX. Seeing again, that money was owed to GMAC financial on my credit report, I spoke to " XXXX '' and then " XXXX '' who was unsure why a bill had not been sent ( after again confirming my correct address ). Again, they essentially refused to have someone reach out to me. This has taken hours of my time to resolve and created financial stresses.
|
| 08/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
in XX/XX/XXXX I purchased a XXXX XXXX of the year at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and it was financed by GM FINANCIAL, on XX/XX/XXXX the car was total lost as a result of a car accident, my insurance company ( XXXX ), the guarantee of the car and the company of the GAP paid the total amount of the car all this hard process star in XXXX of the XXXX until XXXX of the XXXX, in XX/XX/XXXX of the XXXX I received the bill of GM FINANCIAL where it shows me that my account is in XXXX and is closed. Since the end of XX/XX/XXXX I am calling the company GM FINANCIAL because I review my credit report and it appears that I am owed the amount of {$4100.00} since XX/XX/XXXX to this company, I have called GM FINANCIAL two or three times a month since the end of XXXX asked the company to fix this problem, and every time I call they tell me that I have to wait, that the system does not work, that the program they have to close the accounts is not working etc ... I do not know what to do and my credit report score still low. I would appreciate the help you can give me to this matter.
thank you.
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| 04/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I purchased a car from XXXX XXXX XXXX I back in XX/XX/2011 and it was financed with GM Financial. I am XXXX XXXX military and during the course of the loan i have XXXX 5 times and have been able to get no real assistance with GM. I was told i have military benefits applied to my account and i do not believe that to be true. During the outage i have not received any statements nor was i able to speak to customer service. The phones would ring busy or agents would answer to state the systems were down. Finally after my wife reached a rep in XX/XX/XXXX i was told no information would be reported for the months the system was down because customers were unable to make payments. I will soon be in the process to purchase a home and now after not reporting for 6 months GM Financial places 6 months of negative history on my credit reports. Phone reps said they didnt know when they would round and when my wife chatted with only they said they would make a request to update for XX/XX/XXXX. This has been a stressful process and could potential affect my military clearance and my home buying process.
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| 02/18/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I have called XXXX XXXX a few times during Covid 19. The last time I called was in the beginning of XXXX. I asked them what I could do about my payments because I lost my career due to covid. I work in the XXXX field as an XXXX and I still can not find part time work. My XXXX is getting worse from the XXXX and XXXX. I had just bought a condo as well XX/XX/2019. My mortgage company worked with me. When it came to XXXX they told me that there was nothing they could do for me because I lease my car. I still can not find work. I am struggling in every way financially and could lose my home if I am unable to rent it. This is my second time I have leased with XXXX. I am so disappointed with XXXX XXXX and their lack of empathy for people who are struggling. I asked if I could turn the SUV in and they told me I could but I would still owe the money. I don't want to have my credit destroyed. Thats the only thing I have. I don't have family to help me financially. This is a pandemic. People are still buying cars. They are not hurting for money but some people are actually still hurting for work.
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| 08/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Account status incorrect
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Web |
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We paid off a lease of a XXXX XXXX XXXX leased with GM Financial when we initiated a second lease of the same vehicle with a newer model. We received paperwork at the time that indicated the previous lease had been paid off. In addition, as an existing GM Financial customer, I never received any emails, alerts, etc., even though their digital terms and conditions state they will send emails, text messages, and other communications I had opted into regarding ALL of my accounts. Unfortunately, I had removed the old account from my profile because I assumed it was old and already taken care of given I put more than {$6000.00} cash down on my new lease.
My credit score was in the high 700s until this false claim hit my credit report this week -- sending it down more than 80 points according to XXXX. Any attempts to contact GM Financial have resulted in ridiculously long hold times followed with disconnection, or reaching a representative only to be given a different contact number. This issue on my credit score is over a paltry {$280.00}. How ridiculous! I will never lease with them again.
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| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I had an auto loan with GM Financial, opened in XXXX of XXXX. I closed that account in XXXX of XXXX by paying the loan off. Since the loan was paid off, GM Financial or XXXX continued to show the account as open and that payments were being made. Some of the payments listed after the account was closed in XXXX of XXXX showed as late payments. Payments continued to show being made to the account up until XXXX of XXXX. The account was paid in full and closed in XXXX of XXXX. Late payments for this closed account showed for XXXX of XXXX, six months after the account was paid in full, another late payment showed in XXXX of XXXX, two more late payments were reported in XXXX and XXXX of XXXX. I have filed five disputes with XXXX, each dispute was closed and the information remained on the credit report and continued to be inaccurate. I called GM Financial five times, they stated that the account was closed in XXXX of XXXX, they showed the account closed and they stated that they would send a letter to XXXX. All disputes have been closed with both companies and the information remains incorrect.
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| 06/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX consumer and natural person, was denied credit by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX applied for a XXXX XXXX XXXX XXXX XXXX {$52000.00} VIN : XXXX Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in XXXX U.S.C XXXX and is pursuant to civil liability under 15 U.S.C 1692k. XXXX XXXX XXXX XXXX XXXX are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the response I received. XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
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| 11/24/2020 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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XXXX XXXX Americredit XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX. In Regard to GM Financial Account XXXX. On XX/XX/2020 I received a letter from XXXX XXXX from Americredit. I, XXXX XXXX and XXXX XXXX are the consumers, creditors, and sellers of the GM Financial account. We did not enter a consumer credit transaction with XXXX XXXX with Americredit. In pursuant to 15 USC 1681b and 15 USC 6802. We did not give GM financial institution permission, consent, nor the clearance to disclose our personal information to a nonaffiliated third party. In pursuant to 15 USC 1692c. ( c ) I am demanding that XXXX XXXX and staff at Americredit cease all forms of communication with us through any and all mediums. In pursuant to 15 USC 1692d ( 2 ) stop harassing us. These abusive practices are a violation of 15 USC 1692c ( b ) .This is an infringement of our rights to privacy and it is causing us emotional distress. This letter included obscene language that was abusive and harassing to us. Enclosed is a copy of the cease and desist, the letter sent from XXXX XXXX and the certified mail receipt.
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| 11/10/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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My maturity date was in XXXX 2017 - In theory, I should be done with the car loan. I want to dispute the amount of {$4800.00} as to what my account states.When I decided to do a deferment I was NOT informed that the amount due at that time will accrued interest daily. I do not feel I owe GM Financial the US {$4800.00}. I do believe I ONLY owe US {$2500.00}. I have reviewed the account history of my payments made to GM Financial and I have paid over an approx. US {$41000.00} and an exception cant be made? I was never informed from any associate that my loan will accrued interest daily, when I decided to do a deferment. I never received any writing explanation on how the processes worked. If I would have been educated by the associate at the time of agreeing to the deferment, I might have reconsider the option at that moment.f. I have called GMF numerous of times, I have also reported them to the BBB. I have called and left messages for the supervisor I have also sent complaints via the GM financial website on various occasion and as of today I have not heard from anyone at GM Financial
|
| 01/02/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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Web |
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I had an end of lease inspection and was told by the inspector there would be an {$85.00}. cost for damage. I had time to get any repairs done if the cost would have been more than that. I knew that there was damage to the front bumper that was close to the ground, but was told that was expected since it had no protection like many cars have and is easy to bump into parking lot cement curbs. I could have had the repair done for an estimated {$75.00} if I had known I was going to be charged an excessive amount after turning in the leased car. My mileage was way below the allowance and the car was in excellent condition.
A few weeks later I received a bill for {$330.00} which was excessive. I called the customer service number and was told they would review my complaint and get back to me which they never did. I was told these repairs I was charged were probably not done, as the car would be sold at auction as is. This is a dishonest practice that I feel should be stopped. I do n't want to pay these unreasonable charges, that were deceptive and unreasonable. Please help me with this.
|
| 11/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX, I purchased a vehicle ( XXXX XXXX XXXX ) from XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX, Il. I was told I had to pay {$2500.00} down payment for vehicle and also pay for my own car insurance upon leaving the car lot. Later upon doing research I am aware of " Tile '' ( Truth in Lending Act ) and also aware that with contracts I was taken advantage of and wasn't given full information about my vehicle contract. There where billing errors and also wasn't aware of my rights to rescind a contract as well. Later down the line my vehicle was also reposessed with a warning of the repo and also I paid my car note and it was a system error on there end but still decided to repo my vehicle and made me come out of pocket and go get my vehicle instead of returning to my house where they picked it up from. Also the documents I signed was a privacy notice, and in the noticed it said they may not disclose person non public info about myself to any third parties unless permitted by law, and according to my knowledge giving my info to the third party such as repo company was not lawful.
|
| 01/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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Previous attempts ( complaints ) to remedy the situation have not been addressed. Simply sending me the terms of my lease agreement does not answer the question as to why I was reported late XX/XX/XXXX and XX/XX/XXXX due to well known errors and deficiencies and the GM financial website. The GM financial website Displayed a XXXX balance owed in XX/XX/XXXX. Based on this information no payment was made. The XX/XX/XXXX payment was made a few days late which caused a 30 day late assessment. This again occurred for XX/XX/XXXX causing a cascade effect. The fact that GM financial uses this website to except payments should imply implicitly that the information displayed on the website is correct. It was not. The website has been updated and corrected which now shows the correct payment amount. This in itself, clearly implies that GM financial was well aware of the problem. I would like the XX/XX/XXXX and XX/XX/XXXX late payment reports made to the credit bureaus reversed. I am guessing there are thousands of other customers who experienced the same problem which has other implications.
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
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Web |
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I applied for XXXX auto loan with your firm and have my credit FROZEN per State and Federal Law. I was informed by GM Financial credit department that on XX/XX/2016 they were unable to pull my report and that I needed to unlock my credit again .... This LIE repeated on XX/XX/2016 and XX/XX/2016. I was deceived by GM Financial into unlocking my report when they clearly ran my credit multiple times when ONLY one time was warranted and authorized.
GM Financial credit department made a false and deceptive statement to me creating financial damage, stress and harm.
I have seen with my own eyes that your company in fact lied and deceived me on : GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 ran unauthorized credit report on me. At no time did I ever authorize them to run my credit more than once in FACT I HAD IT FROZEN.
They have made it impossible for me to refinance my home mortgage that I need to do NOW! Your blatant false statements and actions against my credit are unconscionable and need to be corrected at ONCE!
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| 11/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of accounts/items which do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00}XXXX GM FINANCIAL XXXX Date opened XXXX XXXX XXXX Balance : {$670.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
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I leased a vehicle in Oklahoma from a XXXX dealership. After a period of time we moved to XXXX area. The vehicle is a 2020 XXXX XXXX ( electric vehicle ). In XXXX a recall was place for all years of the bolt due to XXXX short in the battery system causing the vehicle to catch fire. Their resolution was essentially turning the vehicle into a paperweight only to be driven in town and left outside. At the time I was in a corporate apartment and was told I couldn't keep the vehicle inside so I had to return it to the dealership. I processed all the paperwork correctly in a timely manner. Here we are in XXXX and its still not resolved due to their incompetence. I have bent over backwards accommodating them and now my credit has been hit and they are telling me that if I don't pay them they will repo the vehicle and turn me over to repossession even though they vehicle is in their possession. I'm am at my whits end and my credit is suffering for a vehicle that I can not drive. I have since purchased another vehicle and can/should not be responsible for a manufacture defected vehicle.
|
| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
In XXXX I traded in my vehicle with gm financial. I was never late on any of the payments to the company. Vehicle was traded in from Gm financial and new loan was through XXXX XXXX. Since Gm financial was waiting for XXXX XXXX to pay off the loan they marked my account as late payment for the last payment on the loan. Payments to the company was never late and it was their duty to conduct proper business and cash the check that was se t to the company and make arranges since car was traded in. Gm financial added that the loan balance was late to my credit report. Gm financial has no written consent from myself that they are allowed to even share loan information with credit agencies and did not provide proper disclosures asking if I was okay with reporting and sharing my data.
Not only did I pay my loan off on time I made car payments ahead of time and paid loan principal balance off fast. There should be no negative business reported between myself and this company.
Address information is under is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX co,XXXX XXXX Last four of ssn-XXXX
|
| 03/01/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
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My lease with GM ended XX/XX/XXXX. The lease contract call for the total base payments of {$10000.00} plus a lease termination charge of {$390.00}. I made payments totaling {$11000.00}. When I turned in the vehicle I took care of all items while pointing out the deficient pre-inspection report I had yet GM sent me an invoice stating I owed an additional amount of {$640.00}. I wrote to GM on XX/XX/XXXX pointing out that their inspection report was inaccurate and included all relevant proof to support my position. GM did not respond until XX/XX/XXXX stating I still owed {$420.00} for the {$390.00} termination fee plus fees and taxes while ignoring my request to have my payment overage applied to the fee, if not waived. Instead, GM falsely and fraudulently reported to the credit agencies that I " MISSED A PAYMENT '' to the detriment of my and my spouse 's credit history when in fact we did not miss any payments at all. Again on XX/XX/XXXX I wrote to GM requesting that it retract it's false and fraudulent report yet to date GM has refused to be reasonable and ignored my request.
|
| 05/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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Started with buying a car ... turned my lease into a dealership. we called GM financial to get pay off you that information to the dealership! the dealer paid in full {$30000.00} except for {$400.00}???? GM contacted me and I explained the situation that I did not own the car anymore and that the dealership took possession of it MONTHS AGO .... THEN we had a 3 way phone call with the dealership and after arguing a few times they sent in the balance of {$400.00} .... but it took a few months and during this time I was totally in compliance and talking to GM with the situation! GM KNEW. I AND GM HAS DOCUMATION that is was out of my control and they ( GM ) still disregarded and reported my credit bad!!! now GM financial wants me to get a letter from dealership saying that they ( DEALERSHIP ) was at fault and GM will TRY take care of it.. I told GM they knew the whole situation why did they report my credit BAD?????????? they stated it was still always on me. and STILL TRYING TO GET ME TO TALK TO THE DEALER????? What are they ( DEALERSHIP ) going to do with the CREDIT REPAIR????
|
| 07/02/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
I am a GMFinancial customer since XXXX 2015.I was recently XXXX '' from the XXXX after XXXX. I moved from XXXX to XXXX. The vehicle that i Have leased with GM Financial is for my wife so that she could get back and forth to work as we both are not full time employees after I took a job working for the XXXX. My pay decreased annually by {$XXXX} a year. During the month that my payment was late with GM Financial I had made a call requesting an extension and set up a scheduled payment that cleared. During that call, I was lied to and told that I would not be reported late and that once my payment cleared I would be set. GM Financial inaccurately reported me late for a month that I was told I would be current. I have since been on time with payments just as I was before. As part of my promotion in my job, I am required to keep my credit report immaculate. My job requires an XXXX. I will be getting reviewed again in the next couple of month and I am fearful of 30 day late report showing up on my review. This will hurt my chances of promoting and becoming more financially stable.
|
| 04/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/2020 I received a letter from GM FINANCIAL providing me with my payment history and simple interest contract. After reviewing the information, I found several payments that were made only went to the interest and nothing to the principal. If I paid a late fee that amount went to the interest as well instead of the late fee. I paid extra fees due to this error and GM FINANCIAL affected my credit with negative payment history when I paid. I have completed all payments due and now GM FINANCIAL is saying I owe another XXXX? Per GM FINANCIAL website, I have completed all 72 payments but the company is reporting I am only 83 % paid with now this new balance. I reached out to the company on XX/XX/2020 and spoke with a rep named XXXX for 2 hours and she said she saw the errors and reached out to her supervisor XXXX to correct it. I was told it will be fixed but I received a call the next day from a rep named XXXX who told me the balance was correct and I needed to tell GM FINANCIAL when making payments that I wanted certain amounts to be placed to the principal and interest.
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2023 I paid my GM Financial account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then GM Financial has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, XXXX XXXX.
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Credit Coll Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX GM Financial has violated my rights.
15 U.S.C. 1681 section A states I have a right to privacy.
15 U.S.C. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I had a loan with GM Financial. My husband was has XXXX XXXX and was in the hospital and ended up very sick for summer 2019. It caused us to get behind on our car payment. I stayed in touch with company and was working hard to catch up the payment. We were 30 days behind XXXX - XXXX and in XXXX in dropped to 60. In XXXX we got it all caught up but it dropped to 30 days behind again in XXXX and they repossessed it without warning. I was devastated because it felt like we were making payments every week to try to recover. My complaint is they repoed my car with only 30 days late and when I called on the day they took it to ask what I could do to pay to get it back, assuming I could pay past due or some repo fee they said FULL balance only to get the car. I don't have the money for the whole amount. They sold it without allowing me to get it back without paying the XXXX owed and then put over XXXX as a charge off on my credit. I don't know if that was illegal but it certainly felt unfair. We were trying and weren't that far behind. I would like this removed from my credit.
|
| 08/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was laid off for a while but continuously asked for a deferment every time I asked they gave me an amount to pay not working i could not pay it then i found XXXX called for a deferment they said no I needed to pay a FULL PAYMENT paid it via XXXX XXXX and then called back and said no deferment available because I could pay a full payment. Continued to call over a period of weeks and was told again pay this smaller amount {$300.00} and I could get a deferment then ask to speak with manager and wanted a guarantee I would get a deferment advised no guarantee so i did not pay i was not working had no income had to pay for rent and food for my children then i found work had to wait 3 weeks to get paid called again for a deferment but manager advise no we do not offer deferments anymore at this time just make my payments they have such deceptive practices they lie all the time offering assistance then changing their mind when a customer makes their payment. They are rude and abusive on the phone when they do n't hear what they want. they should be investigated at a lll cost.
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX I entered a consumer credit transaction in which I was the creditor and extended credit to GM FINANCIAL through my open end credit plan Pursuant to 15 USC 1602 ( g ). GM FINANCIAL then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) GM FINANCIAL has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) ( 3 ). I sent and letter on XX/XX/XXXX to GM FINANCIAL to receive a copy of the original contract to validate this alleged debt. To this day I have not received a response. GM FINANCIALhave reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ). GM FINANCIAL has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.
|
| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I leased a vehicle through GM financial in XX/XX/XXXX. It was a three year lease - I kept current on the lease until the end of the lease ( XX/XX/XXXX ). I returned the vehicle, all payments current. In XX/XX/XXXX, I received a notification that I had delinquent marks on my credit report by GM financial. They had marked my credit for late payments for XX/XX/XXXX-XX/XX/XXXX. In a panic, I contact GM financial. I was told it was an error on GMs end and that I would receive a letter and email to send to the credit reporting agencies to get the marks removed. They also indicated they would contact the credit reporting agencies on my behalf. Two weeks have passed and I have yet to receive anything in the mail or via email from GM financial, as promised. After checking my credit report, they have now marked XXXX late, which is also grossly inaccurate and negligent on their end. I contacted them again today to no avail and submitted a complaint via their website. I need this rectified, as GM is inaccurate reporting to the credit bureaus and damaging my credit without merit.
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| 05/23/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
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Web |
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My lease is throu gh GM Financial. I t ook it out in XXXX , XXXX . All payments have been made on time. At the end of XXXX i discovered a payment made on XX/XX/XXXX for XX/XX/XXXX due date was missing. I contacte d GM Financial an d they stated to fax in a copy of the cancelled check and remittance coupon which i did on XX/XX/XXXX . I had n't heard back so on XX/XX/XXXX i called and was on hold for ove r 30 minutes. They said further research was required and would call me back. As of 24 hou rs later I have n't heard back so I called again. As soon as i called the lady indicated rep yesterday was supposed to escalate this and she did n't so she will need to put me on hold and escalate this. I have {$75.00} in late fees that should be waived and I really hope this is not reported to my credit as late since i 've never made a late payment. I call them again and just put on hold. They cashed the check the day they received it, but getting them to apply to my account is much more difficult. There was a remittance coupon attached which showed my account #.
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I received my Credit Report from XXXX on XX/XX/XXXX. I noticed the third party XXXX XXXX with GM Financial. Most importantly the section XXXX XXXX and XXXX XXXX Was XXXX XXXX Recorders office : XXXX XXXX XXXX When I purchased this vehicle from XXXX XXXXXXXX XXXX XXXX, I was living in XXXX XXXX of XXXX. XXXX XXXX holder on XX/XX/XXXX was Americredit XXXX XXXX. Not sure when GM Financial purchased the loan from Americredit because I was notified that there was an exchange of XXXX. Americredit never notified me nor did GM financial. My payments were XXXX starting XX/XX/XXXX. Americredit is not on my XXXX Credit report from XX/XX/XXXX. However there is a Inquiry from Americredit on that credit report dated is XX/XX/XXXX Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX GM financial XXXX XXXX XXXX XXXX Texas XXXX XXXX.
Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. GM financial is not licensed in the state of California.
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| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
|
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In XXXX, I filed a complaint against GM Financial. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from GM Financial, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report.
For reference, I am attaching a copy of GM Financial 's recent letter, and also a copy of my settlement and payment receipt from XXXX.
First of all, GM Financial 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. GM Financial does not have to right to " punish me, '' simply because I wanted correct information reported.
Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.
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| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
My wife has a XXXX XXXX XXXX through GM financial. I am a co-signer to this vehicle. My wife and I recently lost our jobs due to covid-19 and were receiving unemployment assistance. The unemployment check was late in the month of XXXX. It finally came on the last day of the due date, which was XX/XX/XXXX and we made the payment. GM financial said that they see it was made on the XXXX but didn't process until the XXXX. I have talked to half a dozen people at GM financial and they will not help by reporting this to the credit bureaus. I am a XXXX veteran and my wife was a XXXX XXXX and have been loyal gm customers for years. We've never missed a payment and have always been on time yet they treat us like this. They've now ruined 2 people 's credit for the next 7 years because their system didn't process it until the next day. People still need help during the pandemic and GM fails to realize this. We all have to help each other out during these times and their approach to customer service is wrong. We will never buy another GM vehicle again unless GM fixes this.
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| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, the auto loan account with GM Financial has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan.
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via XXXX certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.
|
| 07/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
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We financed a vehicle on XX/XX/2023 from XXXX XXXX in XXXX CO through Americredit/ GM Financial . Around approximately XXXX XXXX XXXX we were contacted by financial office with XXXX XXXXXXXX regarding some documents for the above listed bank. We had no communication with dealership or bank until XX/XX/2023. That was a phone call I received from the dealer that we were required to return the vehicle to their location as requested by the above bank. The reason or explanation we were given was that there was a discrepancy with the address on file. We did not hear from the bank directly regarding any issues. When we questioned the request and any paperwork to justify all we were offered were phone numbers to call or receive a phone call with further explanation. Despite this whole upsetting ordeal, we still werent provided with substantial information regarding their reasoning. We werent offered any money or payments put into car, not to mention vehicle licensing and registration. I would say after 5 months, there should be a little more of a logical explanation.
|
| 02/06/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX XXXX violated my consumer rights. A representative from XXXX XXXX whom I spoke with on XX/XX/2020 in regards to a previous auto account assumed the role of original creditor and told me that the remaining balance of {$11000.00} could be negotiated down to 50 % of that amounting to {$5900.00}. Then this same representative made the statement that GM financial is currently offering " tax season promotion '' and that I could have {$5900.00} negotiated down to 30 % of that amount. The final amount presented to me was {$3500.00}. This same representative asked if/when will file my federal taxes and went on to say that " if I file my taxes on a certain day I can be sure to receive them by a certain day thus be able to pay XXXX XXXX. I did not know that a representative from XXXX XXXX could speak on behalf on the United States Federal Government. This is also misleading information because 30 % of {$5900.00} is {$1700.00}. Also I called GM financial to verify their " tax season promotion '' and GM financial 's representative ( # XXXX ) stated this is not true.
|
| 01/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I paid a portion on my XX/XX/XXXX payment of {$150.00} on XX/XX/XXXX. I called on XX/XX/XXXX to pay the remaining of my XX/XX/XXXX payment of {$250.00}. In total my payment is {$400.00}. I noticed that it was stating that I still owed {$150.00}. I call a representative on XX/XX/XXXX and stated the {$150.00} should have gone to my XX/XX/XXXX payment. She said she was reapplying to the payment so it would all be taken care of. Fast forward, one week later, I noticed it stated I still owed {$150.00}. I called again XX/XX/XXXX, the representative stated that she would also reapply my payment of {$150.00}. I asked how long would it take to see this change on my account. She stated two business days. Well here it is XX/XX/XXXX. My account is still showing I owe {$150.00}, along with late fees now. I've called numerous times. Every time I call, I get an automated recording stating they are experiencing high call volume at this time and the lines are busy or that their system is down. I've submitted 3 complaints online through my account. I've received 0 responses.
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report from GM FINANCIAL. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, GM FINANCIAL is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have attempted to solve this issue myself. Here is what i did. XX/XX/XXXX i sent a request for removal to GM Financial through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. I have provided all documents needed below. Thank you
|
| 08/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I have title in hand with GM financial as the lien holder. I refinanced the loan through XXXX XXXX XXXX XXXX and the GM Financial loan was paid off on XX/XX/XXXX. XXXX XXXX XXXX XXXX and Michigan Secretary of State tells me I need to obtain lien release from GM financial in order remove their lien from my title and so that I can then place XXXX XXXX XXXX XXXX as a lien on the title. State law requires gm financial to provide a release of lien within 14 days for Michigan residence with title in hand. I have requested the lien release and proof that my loan is paid in full and GM financial has not provided. They have promised multiple times to fulfill my request and then come up with a wide range of reasons as to why they can not fulfill my request. They even went as far as to say that it's my fault because I paid the loan off too quick. I was required to keep loan for 30 days. I had the loan just over 30 days. Further, they have given me false call back phone numbers and extensions, false fax numbers and a false email handle to their resolution department.
|
| 03/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My daughter leased a car and I co-signed through a dealership. GM Financial financed it. When the lease was up we went to the dealership and she decided to purchase the car. The lease was paid off by the dealership and she financed through a bank. More than a month later we both realized that our credit scores plummeted. Come to find out GM financial had reported a late payment. Through many calls and emails between the dealership and GM, after GM tried to blame the dealership it was discovered and proven that it was a mistake that GM made. Every time I try to find out why our credit is still not fixed after 2 months GM basically said it was fixed. They also said they were sending a letter for us to use if necessary admitting their mistake but it has not been received in the past 20 days. When I called they said it must have been lost in the mail. This company has the worst customer service I have ever dealt with and lying seems to be the norm. After looking at all the reviews online at consumer affairs I dont understand how they can still be in business.
|
| 05/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello CFPB, My name is XXXX XXXX and I am writing desperately to request your help. I've been trying for months hoping to resolve GM Financial 's error on my own, but the fact that my credit report was corrected and then went back to incorrect seems endless and frustrating.
GM Financial Account Number : XXXX Balance : {$42.00} ( Wrong ) Status : Delinquent ( Wrong ) My account was in fact paid in full and closed. Below were my attempts to resolve the problem : 1. I called GM Financial Customer Service twice in the past 2 months. The reps admitted it was their error and assured me to remove it. But no action taken in the end.
2. I disputed with 3 bureaus. All 3 disputes were resolved in my favor and balance revised to 0. However, the delinquency came back later.
XXXX Report Number : XXXX ( Result attached ) XXXX Confirmation Number : XXXX ( Result attached ) XXXX File Number : XXXX ( Result attached ) The incorrect delinquency caused negative impact on my credit report. I'm seeking fair resolution with your help.
Thank you very much!
XXXX XXXX
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| 05/12/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Web |
|
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I signed a new car lease for a XXXX XXXX XXXX XXXX with XXXX XXXX in XXXX , New Jersey through GM Financial. I was promised that my vehicle would contain standard features ( including an illuminated shifter console ) in addition to other add-on features for the LT model. When I received the vehicle after signing the lease, I discovered that the " standard equipment/feature '' that was promised in my vehic le ( a n illuminated shifter console ) was not present in my vehicle. XXXX XXXX and XXXX GM have refused to repair or replace the vehicle to provide me with the features I was promised pursuant to the lease agreement. I have made multiple attempts to resolve the issue and even though XXXX XXXX and XXXX GM acknowledge that this " standard equipment '' was accidentally left out of my XXXX XXXX XXXX XXXX , they have refused to resolve the issue in any way. I continue to pay the lease amount under protest, trying to work toward a resolution where the contract I signed is honored and what I was promised is delivered.
|
| 08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I received a copy of my Credit Report from all 3 credit bureaus and noticed an erroneous charge reporting from GM Financial in which they said I owed. I've since reached out to them on XX/XX/2018, regarding VERIFICATION of this debt and amount in which they said I owed per the FDCPA guidelines. I have also asked the credit bureaus to do an investigation on the matter as well via disputes sent. The only responses I get from them is that the they do not know what it is i'm disputing when my letter clearly outlines what I need from them. The item has since come back VERIFIED and I've received no PROOF and/or documentation from either side regarding this charge despite reaching out multiple times to GM Financial and their reporting on my credit report is highly impacting my creditworthiness. I do not believe this debt belongs to me and until I can be provided proper documentation via a signed signature, e-signature, or proof of indebtedness I would like this to be completely REMOVED from all 3 credit bureaus immediately or my next step will be legal action.
|
| 06/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
During XXXX ( XXXX ), I had gotten a payment deferred. On my 2nd to last payment, I had a payment returned due to my bank having a fraud alert. I immediately paid the amount again, which was then XXXX days late. I got a XXXX day late remark on my credit report that they refuse to remove, saying it was XXXX days late. After checking my payment schedule and history and talking with a representative, it looks like the deferment was not applied correctly. They were going to remove the remark, but they continue to report it and claim it is accurate when disputing it with the credit reporting agency. The accuracy is also wrong, with multiple credit reports showing different months it was 'late ' as well as the loan being paid after it was paid off. This was the only 'late ' remark on any of my XXXX loans, as they are always paid on time, which makes me certain this was an error on their side. I was in communication with them throughout the XXXX issue, and was reassured that the deferment was in place with the additional payment moved to the end of the loan.
|
| 12/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/XXXX I was injured at work. Unfortunately, my injuries required ongoing medical treatment prohibiting me from working. Immediately, I notified XXXX in writing that I was not working and included the contact information for my attorneys so they could confirm this information.
On XX/XX/XXXX I was struck by a large SUV ( hit and run ) necessitating I be transported via Ambulance to the University of XXXX at XXXX. These new injuries exacerbated my already infirmed condition. XXXX XXXX XXXX -- my XXXX XXXX XXXX " totaled out '' my vehicle leaving a balance of {$2700.00}. XXXX XXXX sent XXXX a check for {$10000.00} and took possession of the vehicle. I never had possession of the vehicle after XX/XX/XXXX. Once again, I contacted XXXX in writing and via the Office of the President 's Client Relations department. Initially, I asked if the payments could be reduced as I was not working. XXXX told me no. Subsequently I have received a Notice of Acceleration. More importantly, they have completely " tanked '' my credit score noting " late payments. ''
|
| 12/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Upon reviewing my credit report, I noticed that the account shows a negative payment status, specifically indicating that it's 30 days late. I would like to formally request that you furnish me with the proof of this late payment. If unable to do so, I kindly ask that you remove the negative payment status associated with the account. Your prompt attention to this matter is appreciated, and I respectfully request that you conduct a thorough investigation in line with the Fair Credit Reporting Act. I would appreciate it if you could provide me with the results of your investigation and an updated credit report reflecting the necessary corrections within 30 days of receiving this letter. GM FINANCIAL XXXX.
|
| 01/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Older American, Servicemember |
|
We received letters dated XX/XX/2020 from GM Financial on XX/XX/2020 indicating that our application for credit was declined. I have attached these letters. I have requested the reasons and backup documentation for this declination five times, beginning with the first letter to them on XX/XX/2020. The last request was in a formal complaint to them on XX/XX/2020. The five contacts I have made attempting to get the required information from GM Financial are outlined in the XX/XX/2020 complaint. I have attached the verbiage of this online complaint.
I have also attached the postal evidence that GM Financial received my two mailed, hard-copy requests. In addition to these three contacts with GM Financial regarding this matter, I also outlined the problem in a customer service feedback form to them online and spoke with a customer service representative over the phone ( who told me he could give me no further information ).
In spite of GM Financial 's requirement to provide this information under the FCRA, all five of my requests have gone unanswered.
|
| 08/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2022, I sent a notice to rescind letter to GM Financial for their alleged debt. I applied for a new XXXX from XXXX XXXX to be used for personal, family, and household purposes. Once the consumer credit transaction was complete, I received statements from GM Financial. Both the dealership and GM Financial had a fiduciary responsibility to provide me with my vehicle but they instead used deceptive practices to extort money from me pursuant to 18 USC 892.
After some research and investigation, I discovered that GM Financial used my consumer credit information, obtained from another party as I did not provide the information to them, to create asset accounts in which they benefited in the form of monetary advances from my consumer credit pursuant to 17 CFR 229.1101 ( c ) ( 1 ). In my notice, I requested documentary evidence pursuant to 15 USC 44 along with reasonable compensation for their criminal behavior, but they never responded. I attached the proof of mailing, notice to rescind, and affidavit sent to them on XX/XX/2022, for your review.
|
| 08/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have 2 late payments that should not have been on my account and I called to ask them to help me remove the lates from my credit report as it was hurting my score and the guy that answered transferred me to someone else and I got transferred several times and no one could help. The last person told me they never had anyone ask to remove lates on credit and they could not help me.
GM Financial violate my rights under the FCRA.
15usc Section 602- states I, XXXX XXXX XXXX XXXX have the right to privacy.
15 usc Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent or instructions.
15 usc 1681a ( 2 ) ( a ) ( l ) - a consumer report does not include any report containing information solely as to Transaction or expenses between the consumer and the person making the report.
I want the creditor to update the late payment for XX/XX/2022 and XX/XX/2022 ( 30 day ) to paid on time based on the violations.
I was not late and should not have these blemishes on my credit. Can you help me?
|
| 07/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.
GM FINANCIAL XX/XX/2013
|
| 06/08/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have repeatedly attempted to resolve this issue with this creditor GM financial. This company is well aware that this account is a result of identity theft and continues to collect and report this fraudulent account on my credit report. I have contacted this company, disputed this, contacted the credit bureau numerous times, and this company have repeatedly defamed my character. As of today this account still remains in my credit file even tho Ive advised them of the identity theft and provided documentation. I have provided suspect information. Identified the woman XXXX XXXX in a line up at the police department, sent the police report to the credit bureaus as well as this company GM Financial and this company still is violating the law. In XXXX of 2019 this company sent this fraudulent account to a collection agency still attempting to collect on an identity theft account ... I am reporting this company and filing an official complaint as this company will be held accountable if they continue to report this account in my consumer file ...
|
| 08/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I purchased my XXXX XXXX in XX/XX/XXXX The original loan amount is XXXX with 11.90 % interest. I have been late a few times and used the deferment option. However starting in XXXX of last year I noticed payments not being applied to my account or not appearing to make a difference in the balance. I reached out to XXXX and was told that sometimes money orders sent in take longer to be applied. It is now XXXX and I have sent in 5 money orders and paid several ACH payments or debit card payments. I should not only be paid in full I should be covering some of the late fees. However instead I see no payments on my account, they now have a repo company calling me and threatening to take to me to jail and the company ( GM ) is calling my family and work disclosing personal information. They call me up to 30 times per day from XXXX XXXX ( I am on pacific time ) to XXXX XXXX at night.
So in short they are violating the law by threatening me, releasing my personal information to family and work and trying to take my car when it is paid as agreed.
|
| 06/24/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2017 my XXXX XXXX XXXX had GM Financial as an autopay account in the amount of {$400.00}. XXXX XXXX issued the check and removed the funds out of my account. This had been established and working for months prior and after. Apparently GM financial claims to not have received the check. GM Financial did not inform me they didn't receive the check until 60 days later. I provided them with my bank statements and autopay history to show them the check was sent and the funds were removed from my account. When they could not find the check I stopped payment and reissued a check which was received. They are continuing to report that I was delinquent on my account for the months of XXXX and XXXX when I did issue the check and have it mailed to them at the correct address. I never missed a payment or was late on any payments before and I am upset they did not inform me before the account was 60 days delinquent. I believe they lost the check and I am being reported negatively on my credit score for it when I have always paid my lease on time.
|
| 07/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.
XXXX XXXX XX/XX/2021
|
| 03/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have had several leases with GM Financial. I have even worked with a GM dealer and had direct daily dealings with them. They are by far the most unorganized unprofessional auto finance/lease company that I have ever worked with, they can NOT handle the volume. One of my leases I sent 3 payments in to pay ahead. Thinking that I was paid up until XXXX they had never sent me a statement. So 3 months later I called to verify next payment due and they told me I was 30 days past due, they never called, never mailed never emailed me to let me know that they were claiming I was past due. How is a customer that had 3 current leases at one time with there company not get a phone call or a statement to let me know my {$200.00} lease payment is past due, really what a joke. They swear up and down they sent statements. I can promise they never sent me a statement nor did i get a phone call. I will never lease a GM vehicle again if I have to lease from GM Financial or there affiliate bad credit company XXXX. They should forget GM and stick with XXXX!!!
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I leased a car from GM financial in XXXX and returned it in 3 years in XX/XX/XXXX. There has been a disposition fee ( apparently if you do not extend or lease another car from GM the company charges you {$390.00}. I asked my dealership if I owe any money and he No. I went home thinking I am complete with this lease. Recently, I received one or two call and one email from GM to call them back. I replied to that email and inquired about the matter. Also called them and was not able to address the case. Now I see that they have put charge-off on my credit report and when I called the customer service they let me know they have been sending letters to my old address and I am not sure why GM did not email that letter? I requested to remove this charge-off and I will pay the remaining Ballance and the person I talked to said that is not something they would do.
I was planning to lease a car from GM in the past month and I don't think I have the faith in the company anymore. I am disappointed and I this has impacted my credit score a great deal.
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| 08/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with signing the paperwork
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Web |
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I have signed for a vehicle on XX/XX/2017 that has XXXX completely different sets of paper work. The second has the date of XX/XX/2017. My signature was forged on it and I have come to the dealership and the bank about these complaints and consumer rights violations and continue to be ignored. I was not disclosed to the rights that I had and I have sent out copies showing that both paper works are different and the banks and dealership copies have forged signatures. I have the original paperwork. They have copies. The annual percentage rate, finance charge, amount financed, total payments, and total sales price are higher on their copies then mine. Which means I signed out for XXXX price and was charged something different. These are clear consumer rights violations.
My contract.
Annual percentage rate : {$12.00} Finance Charge : {$8600.00} Amount financed : XXXXXXXX XXXX XXXX Total sales XXXX The Banks and Dealerships contract.
Annual percentage rate : {$12.00} XXXX XXXX : {$8900.00} Amount financed : XXXX XXXX XXXX XXXX sales XXXX
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| 04/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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There are two issues, 1 ) GM Financial migrated their payment system to a new platform. There were significant challenges and it was confusing and this created issues with accessing the site and making payments. The CEO indicated they would not report late payments, but they did. I have a 30-day late on my credit report and GM Financial has refused to update my credit report.
2 ) I decided to pay my lease off in XXXX ; I have no desire to ever do business with them - I simply wanted them out of my life. I made a payment over the amount due. I verified on my next statement, XXXX and confirmed, there were " zero remaining payments '' on my lease and XXXX amount was due.I decided to check XXXX, because I've been bamboozled by them in the past. The landing page showed two different amounts due and the statement showed I had another payment. I contacted GM Financial via chat. The rep refused to explain why my statement in XXXX said I had XXXX remaining and had no explanation for the other two amounts. She insisted I just pay the {$390.00}.
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| 10/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I terminated my lease with GM Financial on XX/XX/2018. I received a bill on XX/XX/2018 for " remaining contractual charges ''. I contacted GM Financial by letter on XX/XX/2018 disputing a charge of {$150.00} and late charge fees. I requested validation of these charges and never heard back. They only continued to send bills. I contacted GM Financial again by letter on XX/XX/2018 requesting validation for a 2nd time and never heard back from them within more than 30 days. They are now reporting 90-119 days late on my credit reports even though this lease was terminated in XXXX. I am attaching all letters that I sent to them which began in XXXX ( XX/XX/2018 ). They never responded to any of my correspondence. I received a call from a representative last week and she only asked if I was willing to set up a payment arrangement, but did not acknowledge any of my correspondence until I brought it up. Regardless they did not ever respond back to me in a timely manner. I am attaching all letters that I have sent to them with proof of delivery.
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing to dispute the reporting of inaccurate late payments on my credit report. After careful review, it has come to my attention that your bureau continues to report inaccurate late payments, while other credit bureaus have successfully updated my credit report to reflect the accurate payment history.
Account Information : GM FINANCIAL XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
I have consistently made timely payments for the mentioned account, and it is essential that my credit report accurately reflects this positive payment history. It appears that there is a discrepancy between the information reported by your bureau and that of other credit reporting agencies.
I kindly request that you conduct a thorough investigation into the late payment information on my credit report and update it accordingly. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, typically within 30 days.
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| 06/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
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Web |
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I was in a chapter XXXX in XX/XX/XXXX and dischaged after XXXX years ; my car was part of this bankruptcy. Since its been discharged, my car was hit by a drnk driver. The insurance company deemed it was a total loss. I have not received my pink slip since this was discharged. The insurance company has been holding on to a {$5000.00} check for my cars damages because I do n't have the pink slip to release to them. I tried getting a replacement pink slip from the DMV, but they say there 's a lein on the car. I was advised to contact XXXX ( dept of banking and insurance thru NJ ) to find out the information from the original creditor ( AmeriCredit ). According to XXXX, the company is still active, but no contact information available, meaning no phone number, but bonded until XX/XX/XXXX. I 'm not sure what the gentleman meant by that, but I need serious help, please. He also specify to file some kind ofclaim n court to get the company to remkve the lein, but I 'm clueless as to what 's going on. How does a company loose a title to a car?
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| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On Saturday, XX/XX/2023, I purchased a new XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, Virginia. This was through GM Financial 's Spring into Adventure campaign, which offered low interest rate loans to purchasers of select new XXXX vehicles. I purchased the vehicle with a {$32000.00} loan over five years at a 2.9 % APR.
On Thursday, XX/XX/2023, General Motors Safety and Field Action Decision Authority decided to conduct a recall on my vehicle. General Motors notified dealers on XX/XX/XXXX that the vehicle was recalled.
Had I known at the time of purchase that GM had already approved my vehicle for recall, I would not have proceeded with the purchase.
I am unhappy that GM Financial, General Motors, and XXXX offered this vehicle for sale, despite the General Motors Safety and Field Action Decision Authority having approved the vehicle for recall two days prior to my purchase. I feel this was deceptive and misleading advertising. I attempted to resolve this complaint directly with General Motors but was ignored ( XXXX and XXXX ).
|
| 02/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by GM financial to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and GM fininacial refuses to give me updated information.
|
| 12/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX of XXXX, my wife ( XXXX XXXX ) and I had an auto loan go into default with GM Financial. After the vehicle was auctioned, I still had an unresolved balance owed to GM Financial for the remainder on the finance contract.
I contacted GM Financial this fall, and learned the matter was being handled by a law firm named XXXX XXXX XXXX. I was able to negotiate a settlement with the attorney for the remaining balance, and I funded this settlement on XXXX XXXX, XXXX. I am attaching a copy of the written settlement arrangement from the attorney, as well as our receipt showing the arrangement was paid as we have agreed.
Move forward to today, and GM Financial is still reporting to XXXX, XXXX, and XXXX XXXX that we still owe them almost {$7000.00}. We have disputed the account at least three times with the credit bureaus, but GM Financial continues to tell the credit bureaus that we have an outstanding balance. As mentioned before, I am attaching the documentation proving that this matter has been legally resolved for some time now.
|
| 12/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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GM Financial has caused our two income household to become a one income household due to misinformation given throughout the entire lien and title transfer process.
I was informed by agents that this information could be faxed to the county tag office in Georgia, which is incorrect.
I was informed that the information could be expedited by both the State of Georgia and Florida to which they were willing to provide information, but my lien holder, GM Financial refused to cooperate.
Due to this issue, now we are facing financial hardship.
I was informed by an agent that I could request a payment deferral and it would be placed on the backed of my lien. When I called in to defer the payment I was told that there would be a {$62.00} ( USD ) charge in order to even process the payment deferral which I was NOT previously informed of.
I was also informed that GM Financial does not have a compliance ( legal ) department when I requested to speak with them which is also incorrect information This has been an issue since XX/XX/2021.
|
| 09/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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My son sold me his car on XX/XX/XXXX. His loan on the car was through GM Financial.
I got a new loan on the car through my personal credit union.
In Michigan, I need a clear title without the lean on the title to register the car in my name.
Today XX/XX/XXXX, we have still not recieved the clear title.
The check was cleared XX/XX/XXXX.
I dont understand why I cant have the proper documentation I need to register my new car. I have been staring at it in my driveway for almost a month unable to drive it because it can't be registered to me until I get this paper clearing the lean on the car.
GM financial wont send me or my son any documentation for me to get this car able.to register to me until XX/XX/XXXX. Then they told me I needed to wait up to 15 days for it to come by mail.
This is absolutley ridiculous. How we he have been able to send this to anyone? The service with GM Financial has been horrible. I have been hung up on several times just trying to find a way to be able to drive this car and have my freedom of driving.
|
| 06/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
GM Financial XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, GM Financial, Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.
15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have attached history of disputes with this place/organization These are the Dispute Report Numbers which can be verified with the credit bureaus.
Disputes go as back as last year XXXX XXXX XXXX Under FCRA 623 ( a ) ( 3 ), FDCPA 807 ( 8 ) " if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed.
They have failed to state this on any of my reports therefore violating my rights.
No proof of ownership, late payments or any at all has been provided as proof.
Copies of reports will be attached.
Each report will show failure to report account under dispute as of my rights on FCRA ( a ) ( 3 )
|
| 04/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I leased a vehicle from GM-financial.
After returning the car to the dealership I was waiting for a final bill.
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender.
About 3 months later I was billed and paid the bill right away.
GM-Financial has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points.
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically.
This has been done twice.
I spoke to GM financial over the phone multiple times this past year.
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report.
For some reason this late payment still shows up on my credit report.
|
| 03/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Around XX/XX/XXXX, I purchased a brand new car ( XX/XX/XXXX XXXX Versa ) with a goal of having the car for five years or at least XXXX miles. XX/XX/XXXX, the car started giving me problems, after researching the problem there was a power train issue, which XXXX has an extended warranty for my make and model. After having the car for over a week, XXXX returned the car to me in the same condition. The next day, I returned to car to XXXX, they currently have the car running more test. In addition to not fixing the car, the car failed inspection and XXXX gave me a bill for {$1600.00} to fix the car to pass Maryland state inspection. XXXX ripped me off, I purchased a {$10000.00} car, paid {$30000.00} for the car, it has a balance of {$13000.00}, appraising for {$6000.00} with less than XXXX miles, a refurbished engine and I can not legally drive the car in the state of Maryland.
On XX/XX/XXXX, I went to purchase a new car and was told that I would not be able to be financed because of the Versa having a balance of {$13000.00}.
|
| 01/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a serious issue with AMERICREDIT/GM FINANCIAL. Account information : Account # XXXX, Date opened : XX/XX/XXXX, original balance {$4100.00}.
GM failed to provide notice of outstanding lease amount, I pre-paid entire lease in XX/XX/XXXX, turned vehicle in to dealer in XXXX, and gave the dealer my updated address. No notices were sent and 6 months later I find a charge-off on my credit without any calls or emails sent to me.
GM told me to pay and this wont affect my credit. I paid right away and yet the account still shows on my report.
GM Financial is also reporting inconsistently across the 3 bureaus and they failed to provide me with notice of adverse information insertion as required by the California Civil Code.
MY DEMAND IS THE DELETION OF CHARGE-OFF FROM ALL 3 CREDIT BUREAUS, FOR BOTH MINE AND MY PARTNER XXXX XXXX.
I have been through a lot with this problem and I deserve a fair solution. This issue is affecting me emotionally and financially.
Please send the attachment to the company.
Thank you.
|
| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
While checking my credit report, I notice an account from GM FINANCIAL, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that GM FINANCIAL is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
|
| 01/23/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I leased a new XXXX Chevy Equinox at XXXX XXXX in XX/XX/XXXX with my husband. We financed through GM Financial. The first complaint is that I receive the bill in the mail on the XX/XX/XXXX of the month and the due date is the XX/XX/XXXX!!! This is ridiculous. They will not help me change the date I receive the bill. The NEW problem is that for some reason our monthly bill comes only to my husband and not in both names. This has been OK and we just pay it. On Saturday TWO bills came for the same amount. One in his name and the other in mine!! I have called XXXX XXXX of XXXX and nobody will return my call. I have left voice messages as well as spoke to someone who said they would personally give it to the financial officer. I have been calling the GM Financial Service # XXXX ALL DAY today. I get a message saying that they have an overwhelming amount of calls and then it disconnects!!! EVERY TIME. I will not have my credit ruined by this horrible company because they double bill me and will not take my calls. I need help.
|
| 06/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The company is GM Financial, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. I have recently disputed the account with XXXX and after the investigation, the item was removed. However, XXXX and XXXX state that GM Financial claims this account as mine. I have no knowledge of said account. Note the high amount of the account is only a {$2.00} difference. Appearing to show that in 4 years ( life of account ) only {$2.00} were paid on the account. I do not understand how this is possible. I have never finance a GM product through this company. I had a XXXX that my now ex-husband financed through our credit union years ago. Activity date on GM account is completely off by 3 years from my credit union financed vehicle. This all being said, I 'm not sure how long things are scheduled to stay on an individual 's credit report. Whom ever this account possibly belongs to, it definitely seems it should be achieved at this point. Again, this is not my account and respectfully request your assistance in having it removed.
|
| 07/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
During or prior to me being called for XXXX XXXX service, I purchased a vehicle, financed by GM Financial. I, at the very least, made one installment payment before I was called on XXXX XXXX. During or while our I was serving on XXXX XXXX, GM Financial unlawfully repossessed my vehicle without a court order. Accordingly, GM Financial is subject to civil and or criminal penalties arising from a violation of the SCRA.
On XX/XX/, I sent a letter to GM Financial ( through counsel ) explaining my position and demanding a resolution including a plateau of military orders as supporting documentation.
On XX/XX/, GM Financial sent me a letter ( through counsel ) stating that they relied on the XXXX database verify XXXX XXXX time ; however the XXXX does not cover periods of XXXX XXXX time performed by reserve servicemembers. Therefore, upon request, I provided GM Financial additional copies of military orders on or around the date of repossession and for one year prior as they indicated they would reevaluate their findings.
|
| 07/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
As recently as XX/XX/2020 the joint lease account on my credit report reflected closed, paid in full/obligation met.
On XX/XX/XXXX both my and my co signer 's credit files were hit with over 165 days past due.
I have already had to dispute this account and asked numerous times for an updated bill upon which I could pay.
XX/XX/XXXX I called the collection department and explained I never received an updated bill and was told I would not receive one.
I mentioned my credit report from XX/XX/XXXX reflected a closed and paid account with GM Financial and they said that on their end they did not report that to be true. GM Financial 's billing practices are abusive, unlawful and the oversight has caused me and my cosigner a lot of negative financial consequences.
Near the end of the conversation I was finally told that I could be sent a payoff letter with the updated amount due.
This is what I had been asking for from the very beginning when trying to resolve the incorrect end of lease statement received in XXXX.
|
| 12/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I purchased an automobile in XXXX XXXX 2014 and was financed through XXXX XXXX where negative equity was rolled into the asking price of the new vehicle. As a result this inflated the cost of the vehicle to {$24000.00} with monthly payments of {$540.00}. Did not realize at the time of signing the impact the interest rates would have on the loan, especially in the event payment is late. I have experienced some hardship and had to either defer or pay late. In defering payments, I was charged up to half of the monthly payment just to defer payments. When looking at my last statement, after making 24 payments I still owe over {$20000.00} on a XXXX XXXX XXXX that currently values at {$9000.00}. the 24 payments paid ( + {$13000.00} ) does not include other fees paid. To add insult to injury, my last payment of {$540.00} shows that {$540.00} of it went to interest.
This is killing me, and because of the negative equity in the now value of the car, I am unable to get out of this car/loan without an astronomical expense.
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
|
| 06/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
At the end of XX/XX/XXXX I chose to finance my current leased vehicle that I was leasing through GM Financial. My XXXX payment went through in addition to the payoff sent from my dealership. This caused an overpayment of {$500.00}. It has been a horrible experience trying to get the {$500.00} refunded back to me. Every time I call into customer service I get told a different story. Last Monday I was told that the check was cut on XX/XX/XXXX and that I should receive the check by the end of the following week. When I called this past Friday inquiring about the check, I was told that they were still waiting on final approval for the refund and that it could be the end of XX/XX/XXXX when I could receive the check. I do not understand why this process is taking so long as I have received the letter in the mail from GM Financial over a month ago congratulating me for paying off my lease. The company does not get to just keep overpayments. I just want my overpayment to be sent to me so that I can close this chapter.
|
| 07/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
|
| 07/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2020 I applied online for credit through GM Financial and authorized them to run my credit. I received an email stating I was approved for credit and that the dealer of my choice would receive the information so I could go shopping for my vehicle. On XX/XX/2020 I reached out to XXXX XXXX of XXXX XXXX XXXX XXXX by phone and told him I had already been approved by GM Financial. He told me he would have his credit manager locate my file with GM Financial but would also need me to fill out an application. I told him I already filled out an application with GM Financial who had already run my credit. He told me it was just a formality and that his store would not run my credit. XXXX XXXX of XXXX XXXX XXXX XXXX did run my credit. He also submitted to GM Financial who ran my credit 2 more times. After all that I was told that GM Financial made and error and I was not approved. I told him I had alerted by XXXX about inquiries and he told my credit should not have been run but there was nothing he could do.
|
| 11/13/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
In the past 2 months my family and I have been heavily impacted by hurricane XXXX. XXXX XXXX is the only bank not acknowledging that we are part of a declared natural disaster area per XXXX. XXXX is not willing to work with me in any way and will not even give us one month to recuperate and get back on our feet. XXXX has reported me 30 days late and according to XXXX XXXX XXXX XXXX Id # XXXX ) ) they will not be deleting any 30 day negative credit reporting.. Not only was this manager so condescending and not at all compassionate, one of the representatives from the collections department ( ID # XXXX ) threatened that the car would be repossessed and hung up the phone on me after acknowledging I wanted to be transferred to customer service. XXXX has shown no consideration, no compassion, no support or concern during this difficult time. Other lenders have proactively reached out to us to assist, postponed payments, and suspended negative credit reporting since XXXX has declared our area a natural disaster.
|
| 07/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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I settled an account with GM Financial in XXXX 2014 ; however, GM continues to reflect an unpaid balance. I spoke to a representative in the " Escalation Department '' that told me that the only way to remove any showing of a balance, even after paying the settlement off, is to pay off the difference. The pre-settlement balance was approximately {$6000.00} ( uncertain of amounts ). GM and I agreed to a settlement of approximately {$2100.00}, but continue to report that owe approx. {$3900.00}. Is this double jeopardy? Although they agreed to the lesser amount, they 're telling me they wo n't remove the unpaid difference from my credit report. I 've asked for a letter from GM that states the account was settled for $ XXXX with a {$0.00} balance due, but they will only send a letter that says the account was " settled in full ''. I 'm not sure what that 's supposed to mean to me and other creditors when GM is still showing a {$3900.00} balance due? I 've tried working with them, but I 'm not getting anywhere.
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| 06/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle.
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge.
Inquiry details ...
XXXX Inquiry from XX/XX/2018 Misc.
XXXX XXXX Inquiry from XX/XX/2018 Automotive Americredit Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance
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| 04/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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In 2013, my husband was in car accident and total lost our XXXX XXXX XXXX. The insurance appraiser came out to assessed the vehicle and settled the car as a total loss. I was notified by the insurance company that they settled the total loss payment with the lender. At this point, we were without a vehicle and driving a friend 's car. Following the accident, the GM Financial did n't give us an opportunity to purchase another vehicle ; therefore, we were with a vehicle. As of today, the lender GM Financial has continued to harass us for a vehicle that we no longer have in my possession. We have receive threatening phone calls and letters ; and have also reported negatively to ALL XXXX credit bureaus which is affecting my buying power. We no longer have any business dealings with GM Financial, however, this company has been haunting me about an issue that should have been resolved 4 years ago. At the end of the day, GM Financial has ruined my credit making it impossible for me to get another vehicle loan.
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| 03/14/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/XXXX, I applied to assume a lease threw GM financial. To my surprise I was denied the lease when I received there rejection letter it states that they could not grant credit due the fact I have recent collection account. I have no idea of any collection accounts. I have zero late payment and much less anything on collections. I decided to call GM financial to find out where they got this information. They could not provide any info instead told me that within 2 weeks I should be getting a letter from the CRA providing further info. A month has passed and I never received that letter. So I decide to pull all three credit reports from XXXX, XXXX and XXXX. NONE have any missed or late payments much less COLLECTIONS. I do see that GM Financial did do hard credit pull threw XXXX on XX/XX/XXXX. I feel they have violated the FCRA. I have attached documents supporting my complaint. The rejection letter 's reference # XXXX Thank you for your time. Hope to hear from you soon.
Sincerely, XXXX XXXX XXXX
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| 07/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I have contacted GM Financial 4 times in an attempt to get them to send a copy of car title to my lender so as to get financing to buy out end of my lease. They ask you to email other info like odometer statement but wont email a copy of title. It has to be faxed. Then they say it takes 5 days. Then when i don't get it. i call back and a supervisor says they will escalate it and that will be 2 days.
Each call is 20 minutes on hold. After 4 attempts and the dealer contacting them and assuring dealer i would have it that day. We still don't have it. i started this on XX/XX/2022 for a lease that ends XX/XX/XXXX.
They haven't responded to XXXX emails i have sent. The paperwork says i can buy this out through them or go to the dealer. The dealer doesnt seem familiar with the process and says i have to sell it to them and then buy it back. Huh?
I have no more time to waste with the incompetency at GM Financial. I would simply like a copy of the title sent to me immediately so i can be done with this.
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| 07/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
Servicemember |
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I filed XXXX XXXX in XX/XX/XXXX, and my attorney advised me to give back my vehicle since it was a bad deal! It was leaking oil & gas, and the check engine light kept coming on after SEVERAL repairs were done! Plus, it had a high interest rate so I agreed. My attorney said he would inform me & GM Financial, on making arrangements to surrender/return the XXXX XXXX.
They came & repossessed the vehicle on XX/XX/XXXX while the bankruptcy was still active, then sent me a notice saying it would be auctioned on XX/XX/XXXX and I would be responsible for the balance! I did not think this was correct, and I did not like the threat of the letter! My XXXX XXXX was DISCHARGED on XX/XX/XXXX & my attorney stated I am NOT responsible for any amounts remaining! As a matter of fact, GM Financial owes me for my down payment & money spent for repairs! GM Financial also needs to return to weatherproof mats and logo tag bracket I purchased per the Consumer Rights Act repair Section 23 : Right to repair or replacement!
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| 03/30/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I went on XX/XX/XXXX to inquire about a car, I mind you on my old lease, I still had 10 moths left on my lease, I fill like they had a motive the whole time, they told me they would buy me lease out they did not and they attached it on this lease and I feel like they screwed me put me in a 4 year lease for {XXXX} and he also did fraudulence by putting I was on the job for a year and I wasnt, I was only on my job for 4 months. I could have kept the car I already had because he claimed I would not see any good rebates on my car, I feel like I did not get a good deal, he screwed me for a car sale due to the car dealership was giving this car to XXXX XXXX schools and jacked the price up on me, the dealer ship also stated they didnt have any inventory, no cars were coming in but screw a long term customer to help pay the bills, that is not the way you do things, XXXX will never get my business ever again they can not be trusted on no levels, I seen on XXXX they have a lot of complaints on their website.
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| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, I made a payment for my leased Vehicle on XX/XX/XXXX and it was taken from my bank account. Per GM when i looked at my credit report it was reporting late when in fact on the website it reflects the payment was processed. I went to my bank, got a copy of my bank account and a personal banker faxed it on my behalf. I reached out to GM once again and they advised to call back in 5-7 business days and they will correct the payment. It has now been longer and they did not remove the negative remark from my credit nor have they applied the payment. My credit score is well above 750 and this negative remark has caused a burden on the financial stability i can offer my family. I am not the average consumer and have never been late with any payment. I am requesting GM to apply the payment with the proof i have submitted along with taking off the negative remark from my report. The information on the website of GM also contradicts what they are reporting to my credit. Please ask them to correct this.
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| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I lease a vehicle every 3-4 years and then trade it and get a new lease. I make sure that the return of the vehicle is in good shape and there are no mileage overages or any fees that I would be responsible for. XXXX XXXX is the dealership I work with every time. I just traded in a XXXX XXXX XXXX and XXXX XXXX takes care of the returning of the vehicle and paying off the remaining balance at the time I lease my new vehicle. I have never had a problem with this before. XXXX XXXX received the payoff amount from GM Financial and paid it. I never received anything from GM Financial except that my vehicle was returned and my balance was XXXX and the account was closed. I just got an alert from XXXX that my credit rating has gone down 45 points because GM Financial is reporting a delinquent amount of {$13.00}!!!! Are you kidding me? You are going to lower my credit rating over {$13.00}!?!?! All GM Financial has to do is call XXXX XXXX or myself and you can get the {$13.00}! I want my credit fixed asap!
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| 08/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I've been out of work since XX/XX/XXXX. I've been having severe XXXX issues recently and it ended up with me being in 5 different XXXX, seeing XXXX, XXXXXXXX XXXX, many XXXX XXXX, XXXX XXXX, etc. Suffice to say, it's been difficult and I'm currently waiting on my short term disability leave payment to arrive ( delays with the administrator XXXX ). I've slowly been recovering and am expected to return XX/XX/XXXX Complaint : I was 8 days late on my payment, and today with no warning ( no call, no text, no voicemail, no email, nothing ) GM Financial disabled my truck as I got home. I immediately paid online, but they don't have a way to reach humans after hours so I'll be without my truck until Monday in a time where it directly jeopardizes my life. They should've warned me, being without transportation unexpectedly could've caused me great harm, and trying to figure out what the issue was to begin with has made me feel physically sick ( I'm recovering from severe XXXX XXXXXXXX issues, not fun ).
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| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
|
| 09/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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I was XXXX and on XXXX, making the payments late, but still making the payments. The repo man jumped into my car while it was running with no identification, no badge, no uniform, a plain black t shirt and jeans and took off with my vehicle. When my fianc caught up with the car the tried to find out what was going on and tried to get the car back. The repo man tried to get my fianc to hit him and got in his face, when the altercation got heated he stated he was the repo man. No one was ever harmed or touched. I called gm financial to give them all the late payments and whatever fees were needed to get my car back and they told me I had to pay the car loan in full in order to get the car because the repo man was hit. I explained to many people that no one was harmed and the way the repo took place was unprofessional and unsafe. The had me paying {$25.00} a month for 6 months but soon just stopped contacting me. I went online and my balance said XXXX dollars. Now I see it on my credit as closed.
|
| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it XXXX concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 Americredit XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
|
| 05/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The issue here is the negative late payment placed on my credit report that dropped my credit score.
The purchase of my XXXX XXXX XXXX XXXX was financed through GM Financial. Documentary evidence will show that a financed charge was applied in connection with this consumer credit transaction as described in the Truth and Lending Act.
Pursuant 15USC1605 states that the finance charges " shall be determined as the sum of all charges ''. GM Financial was payed in Full at the time of my signature, so there should be NO LATE payments.
Gm Financial never notated my account was under dispute pursuant XXXX Responsibilities of XXXX XXXX XXXX XXXX XXXX reporting agencies.
Gm Financial strategically refused to note my account under dispute.By not doing so they were able to report it delinquent, which then puts them in violation of 15USC1666a Regulation of credit reports ( a ) ( b ) ( c ) for not doing so.
This is yet another extortionate attempt at collection on their financed lines of credit.
|
| 07/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I recently went to purchase a new XXXX vehicle only to find that I was denied due to an error on the part of GM Financial by not accurately accounting for the last lease payments I made in the amount of {$1300.00} on XX/XX/XXXX, which was a day after I turned in the old lease and was the amount I was told I needed to payout to close the lease. As you can see from the attached, on page 1, second item down, I pulled all of XXXX 's electronic payments from my bank and I am in receipt of an electronic payment ( with confirmation code ) from my bank that shows payment of {$1300.00}. Also included on page 3 of my monthly bank statement shows payment made to GM Financial on XX/XX/XXXX in that same amount.
I have requested, multiple times, that GM Financial immediately correct this error and close this account, contact all three credit bureaus and restore my standing in good faith.
I also received a credit denial ( attached ) as a result of this action which has destroyed my credit in the process.
|
| 07/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a call threatening me to pay {$13000.00} on a vehicle that I purchased in XXXX. They said I should have continued to pay insurance. They threatened me that I would be served within the next hour. They also said the old credit will be added back to my credit report destroying my current credit score. They had all my credit cards limit and all public record information This message is intended for XXXX call us pertaining to case number my name is XXXX XXXX the county XXXX division this call is notification that attempts will be made issue certified legal documents requiring your signature if you will not be available to sign or if any changes need to be made to the time date or address of service or for more details you must contact issuing firm ______ handling your case their contact number is XXXX and reference your case number failing to contact the issuing firm may result in a failure to appear to be issued in your name this is a very time sensitive matter you have been notified
|
| 01/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received a call from " GM Financial '' XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit.
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and gm financial of return of vehicle.
He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues.
Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to gm financial was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?
|
| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {XXXX} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
|
| 12/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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GM Financial is reporting me as delinquent on a loan that I had with them which was neither delinquent nor negative. I had just purchased a car with GM dealership when it closed. The loan which was just started was sent to the overflow dealership. I started paying them and continued until the end. Subsequently, GM reported this account 2 times to the credit bureaus with 2 different balances on the account. It shows the same account number but one shows a balance of {$10000.00} and the other account with the same account number shows a balance of {$12000.00}. I have advised them any times of the error on their part, I have also advised the credit bureaus of the error on their part. After all it is logically and logistically impossible to have the same account number for 2 different loan amounts. anyone with common sense who have noticed this as an error and take corrective measures. But no, this has been a struggle and is now affecting my ability to obtain credit. need this issue corrected.
|
| 06/11/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I paid our loan on time via automated phone system. Over a month passed when I started getting calls our payment was late. Spent two weeks being told I was fine but still getting collection calls. After a month of trying to figure out what was going on I was informed the phone payment did not go through as it was a bad account number. This was almost two months after we made the payment to finally get this information. I spent another few weeks calling and getting promises but no replies from GM Financial to correct late reporting issue. The last communication I had with them was they were reporting me 60 pass due and there was nothing they could do for me. I requested a manager call me and again was promised I would get a call back ... .after two more weeks and never getting a call back, I just made three payments.
Do not consider the fact that it took them over a month to clear a payment and another month plus of confusion and no replies that I should get reported 60 day plus pass due.
|
| 10/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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Company : GM Financial Date : XX/XX/2019 ( Date of Notice0 Issue : Negative reporting to credit agencies Summary : GM Financial company reported one time 30 days of delinquency on my car loan payment. I had auto-payment set up for this account, hence I was under impression that the payments were being made in a timely matter. I received a notice from GM Financial in writing without any prior phone call nor notice in XXXX. Upon receiving a notice, I took care of the late payments right away and have asked my bank to look into the auto-pay system. I have asked the company to remove any negative reporting on my credit score, but they stated this issue should be resolved with the credit bureau. The GM Financial acknowledged electronic mistakes from both sides and waived late payment fees. I am writing to request the Consumer Financial Protection Bureau to remove this one-time negative report on my account. Thank you very much and please do not contact me if you have any questions or concerns.
|
| 09/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I bought a car from XXXX XXXX XXXX in XXXX IL. I told them up front what I could afford XXXX a month of course they are car dealers it was XXXX a month when I left with gm financial. Of course I got behind but I set up 2 payments a month to catch up. But they did n't take the money. Once on one of my payments I put a stop pay because the money would not not be in the bank. I did call them gm financial and told them and reset up the 2 payments for the month. But then I got a call about not getting payments. I told them I have been sending 2 payments a month. Then she says oh it looks like we are flagging your a count because of a no pay. I told her yes but that I had already discussed that and it was to be ok. And I set up my payments again. So she says well you should do a volunteer buyback. Saying to me that it is not a repo. So I did everything I was to do but they did opposite of what they should of done. And they are still sending me a bill. When it was their fault. I want to sue them
|
| 10/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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|
I purchased a XXXX XXXX XXXX at XXXX in XXXX XXXX, Md in XXXX XXXX. I signed the contract with the finance company Americredit. Im not understanding because I never made any payments to them. All my loan stubs and western unions said GM Financial. I lost my job in XXXX XXXX which was also my last payment. My car was repoed in XXXX XXXX. I 'm not sure the repo was conducted within the guidelines of the law. I was verbally told to come up with $ XXXX dollars in back payments or return keys which I 'd also be charged for within 5 days. Or I wasnt allowed to reclaim the car, when I went to retrieve my personal belongings from the tow company. I was never notified in writing that the car was sold at an auction. Never notified as to my rights to be present at that auction to bid on the vehicle. Also never notified in writing or verbally how much the vehicle sold for. Now my credit is shot and ca n't finance another vehicle due to the repo. I contacted a credit attorney and they lead me to you.
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION.
THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT.
I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED.
ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.
|
| 06/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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On XX/XX/2019, I wrote to XXXX, XXXX, and XXXX in regards to a fraud account which is reported on my credit report in the amount of {$3700.00}. I submitted enough information to show that this account was not valid, however, my status remained as is. On XX/XX/2019 I wrote to GM Financial in regards to the fraud account that was placed on my credit report. On XX/XX/2019, GM Finacial responded to my complaint stating that they would investigate the alleged fraud. I submitted the following documentation, police report, ID Theft Affidavit, and legible signatures. On XX/XX/2019 I received a letter from GM Financial without any regards to investigating the claim. However, as a result, GM Financial claimed that the request was based upon a misrepresentation of facts relevant to the request and that GM Financial will not be able to remove the account from my credit report. I now request that CFPB to investigate this account and I would like for you to to take action to protect my credit rating.
|
| 06/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
Servicemember |
|
I purchased a used XXXX XXXX from XXXX XXXX on XX/XX/21. The vehicle had SO MANY problems, that I had to bring it back within 2-3 days of the purchase! Within the first 30 days of signing the paperwork for the car, the dealership had the vehicle in the repair shop for 27 days!! I asked to cancel the sale and stated I would prefer another vehicle or go somewhere else! I was refused! I've only had this vehicle in my possession for 3 months and I've had to take it back to XXXX XXXX for oil to be added twice, plus I've had to put oil in it myself 3 times!! This vehicle leaks oil, and the drivetrain malfunction light comes on every time I get on the interstate and go over 60 miles per hour!! There isn't a warranty on this vehicle and they knew it had MAJOR issues before selling it!! I told them this vehicle was a LEMON and should not have been on the lot!!
As a female, I feel I was taken advantage of and the General Manager has NOT returned any of my calls and replied to any of my emails!
|
| 08/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
To whom it may concern, I just found out that on my credit report that I was late paying my car payment in XX/XX/XXXX which was XXXX, I was told not to paid that because I was in the processing refinance my car to XXXX XXXX XXXX, from General motor finance. XXXX gave me a good rate for my car payment which it is XXXX a month. I am in the processing buying a home and I would like to have some XXXX to remove this from my credit report. I was following the instruction from my bank XXXX telling me not to paid that in XX/XX/XXXX because I will be getting a payment in XX/XX/XXXX which is XXXX for my car payment. the payment for XXXX would 've been paid because I do n't like anything to be late but i was told not to paid anything for XX/XX/XXXX and my new car payment due XX/XX/XXXX with XXXX. Thanks for your kindness. i really want something in my name and that is a home which i can say its mind. it something that my family and grandkids would love to have. thanks again and have a bless day.
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
|
| 03/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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|
Your company is in violation of the FDCPA, TILA, and UCC codes. Which GM FINANCIAL is collecting a debt for your company XXXX XXXX XXXX. On XXXX XXXX I sent GM FINANCIAL a VLIDATION OF DEBT letter. On XX/XX/2021 I received a letter stating that I signed a credit contract with them, which the copy of the contract was attached which shows I did a consumer credit transaction with XXXX XXXX XXXX not GM FINANCIAL .also attached was a copy of the account payment history showing that they been collecting your debt.which shows me that your company assigned GM FINANCIAL MY contract to collect your debt without my consent which is Identity theft and that is FRAUD.
Pursuant to the FEDERAL TRUTH IN LENDING a contract can not be credit or cash, because credit covers all Obligations.also the finance charge is the sun total of all charges which includes insurance.
Pursuant to 18 USC 8 the term obligation or other security of the United States includes all bonds and certificates of indebtedness.
|
| 08/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I paid for a repossession fee back in XX/XX/2018. The amount was {$750.00}.
Immediately after, I was billed for a 2nd repossession fee in the same amount of {$750.00}. This has been on my credit report for 18 months now.
I have reached out multiple times to the company to resolve the issue. They have already admitted fault, but still refuse to remove the additional fee. They tell me to call another department who was unable to remove it from my account. The latest communication was XX/XX/XXXX where they said they would adjust {$700.00} off my account, which means they are keeping an extra {$48.00} for no reason.
I am unable to trade in the car or pay off the loan without paying that {$750.00} fee. I am stuck with the car, which I have been planning on trading in for months. I have filed multiple complaints with their customer service department since last XX/XX/XXXX, and nothing has been done. My credit is being affected as well as the freedom to do what I want with the car.
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2020, I turned in a leased vehicle to GM Financial as the lease was up. A final bill for the disposition fee was not sent to us for a few months, which we received in XX/XX/2020. I called GM to see if we were able to make payments on it instead of paying in full as that is what we have done with those fees previously. The agent said absolutely, no problem. It is now showing as a late payment on my credit report. I was NEVER told that it would be reported on my credit report as a late payment if I didn't pay in full, so why would the agent falsify that it was ok to make payments on it? In addition, GM has sent no correspondence to us that it would be reported on our credit if not payed in full either. I payed in full the remaining balance today as I can not afford another late payment on my credit from GM financial for the disposition fee. I have leased vehicles with them for 10 years now but if this is how situations are handled, I will likely not be a repeat customer.
|
| 08/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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Lender never sent me a lien release letter as required under Missouri law after the loan was paid off under bankruptcy discharge and payment plan completion. I am trying to trade in the vehicle and requested a lien release letter which lender stated they mailed by US Mail on XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span>. As of XXXX, the lien release letter has not been received. I called and tried to verify the address it was sent to ( which was correct ) and to request an overnighted replacement lien release letter on XXXX. Lender stated they would not replace the lien release and would not overnight. They however have no tracking information to support the claim they have mailed the document. I gave the lender 48 hours to overnight a replacement and they refused. I was referred to a manager who never returned my call to follow up. I need this document to sell a vehicle I no longer need. There has been every opportunity given them to deliver but they did not send a lien release.
|
| 02/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
GM Financial is reporting inaccurate payment history on my credit report for account # XXXX. I have filed disputes with all three credit bureau 's. GM Financial is reporting 30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 day late payment for XX/XX/XXXX on the previously referenced account. The account was paid if full and closed on XX/XX/XXXX. I've made numerous phone calls to GM Financial customer service for approximately a month. They have corrected payment history with XXXX but have yet to submit a correct payment history with XXXX. They have also provided me with letters that reflect the account was satisfied in XX/XX/XXXX. This inaccurate reporting is impacting my credit score significantly. I am in the process of obtaining a mortgage and this inaccuracy is preventing me from doing so. The score simulation on XXXX 's website indicates a positive change of greater than 50 points if this inaccurate reporting was corrected by GM Financial.
|
| 03/26/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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Account # XXXX as reported to XXXX XXXX XXXX XXXX XXXX, XXXX To whom it may concern ; I am writing in regards to the above referenced accounts and transactions. This is not a refusal to pay, but a notice that this account is disputed.
This vehicle was repossessed in California on or about XXXX XXXX, and resold at an unknown date.
Under the laws of the State of CAUCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
GM never provied copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Because GM never provided this information, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
GM Financial promotes paperless billing and provides an online and mobile app for customers to access payment information.
GM Financial online billing and payment history did not ( and still does not ) provide correct information regarding a payment on my account : Payment of {$410.00} made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX statements.
XXXX online billing and payment history shows XX/XX/XXXX payment of {$410.00} as a processed payment, provides a confirmation number, as well as a green check-mark, just as all other payments that have been made. This payment was actually returned due to NSF from my bank. I did not receive notice from GM Financial.
This misinformation led me to believe my account was up to date. In reality my account was past due from XX/XX/XXXX through XX/XX/XXXX, and two 30 day delinquent payments have been reported to credit agencies for months of XX/XX/XXXX and XX/XX/XXXX. It also caused continued late fees and interest to build on my account.
|
| 09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
GM financial is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
|
| 11/13/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I'm tired of calling GM Financial because all they do say is that everything looks good on their end but they refuse to understand my request. I am in the process of buying a new home and GM financial continue to report a payment due for my lease end on my credit report. I've spoken to them multiple times and they advised me that its paid off on their end. I continue to request for them to remove this from my credit report because it is affecting my ability to get approved for a loan. I returned my lease in XXXX. Its been 5 months I been trying to get this fixed!
My credit report is showing due {$840.00}, the exact amount for the lease end fee. However, I leased a new XXXX before returning my old one which waived all termination fees and excessive wear and tear. I spoke to 5 agents at GM Financial and even received a letter stating that my account is paid in full. If I lose my chance to purchase my home because of a simple issue like this, I will take further legal action.
|
| 02/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am continuing to have problems with GM Financial. Now I have applied for a home equity line and XXXX XXXX is stating I have a GM account being reported still late. I do not have two accounts - Acct XXXX has been straightened out - but GM is saying I have late payments on another account from XX/XX/XXXX - Acct XXXX - was a XXXX XXXX I traded in for in for the XXXX XXXX ( acct XXXX ) - I do not own the other XXXX - ( XXXX XXXX, XXXX XXXX, XXXX, Oh XXXX ) took possession of the car when I leased the XX/XX/2018. My mortgage credit report still has inaccurate information on it and it is keeping us from taking care of our financial statements. This is absolutely ridiuculous that I am still paying the price ( 5 months ) for GMs XXXX up. I want my financial statement as well as my husbands to be no longer affected by GMs terrible service. I want it taken care of immediately, so that any one who we apply for credit through knows we are not deadbeats!
XXXX previous dispute # XXXX
|
| 06/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I lease my car through GM Financial. Payments are made online. I made payment in XXXX and statement states next payment due on XX/XX/2018. I had a death in the family and I just look into my credit report and Have excellent credit. I seen that my rating when down. I looked into and GM Financial filed a report that I was 30 days late. I immediately paid a payment. The account says I don't owe a payment to XX/XX/2018. I called GM Financial and the women said she would not in my account that there was a clitch in system, I called the XXXX XXXX XXXX and they said to call GM Financial back and ask them to report it. I called back and after 25 minutes speaking to a reprensative, he transferred me to a supervisor and she stated that they can't back and report it. I told I would call the Federal Trade Commision. I have a copy of the online statement, showing the due date to back up the information I have listed here. I would be happy to email the back up.
Thank you, XXXX XXXX XXXX
|
| 07/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I completed my payments on my auto loan on XX/XX/2017, and now, more than 195 days later, all three credit bureaus continue to show the loan outstanding.
After 90 days had passed -- since that was their window for reporting to the bureaus -- I began calling periodically. I have now called the company 6 times. Each time, I have been told that the company had a computer issue, but it was " recently '' fixed and my account would be reported to the bureaus by the end of the week. An additional 90 days have passed since I was first told that, and the account has still not been reported as paid in full, per a conversation with an agent yesterday.
I have, on three occasions, asked to speak with a supervisor. I have been passed on to voicemail boxes each time with a promise that I'd get a call back by the end of the day. I have yet to get a call back.
GM Financial says they update accounts paid in full within 90 days. I have waited more than twice that without any resolution.
|
| 03/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I had a XXXX XXXX lease ( VIN XXXX ) and returned it in XX/XX/XXXX. Before the lease return, I replaced 4 tires per lease end guideline to avoid excess wear charge. Also in XX/XX/XXXX I purchased a new XXXXXXXX XXXX ( VIN XXXX ) with cash. In early XXXX I received the final bill which included {$390.00} disposition fee and {$320.00} excess wear charge. I want to dispute both charges.
First, my lease agreement XXXX ( t ) says " Disposition Fee Waiver : The Item 4A Disposition Fee will be waived if you purchase or lease a new General Motors vehicle when the Lease ends ''. Since I purchased a new GM vehicle, the disposition fee for my lease should haven been waived.
Second, I replaced the 4 tires per lease end guideline and emailed GM Financial the tire receipt. So the excess wear charge should have been removed.
Therefore, I want GM Financial to waive both excess wear charge and disposition fee which was {$770.00} in total and refund my payment of {$420.00} for the bill.
|
| 11/19/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had autopay turned on at GM Financial and had made timely payments throughout the lifecycle of my lease. At my lease termination, I had returned my car and closed the account as the account was paid in full. Couple months later I found out that someone had added on {$36.00} fees without notifying me after autopay had paid off the account in full. 3 months later I find out through my credit report that I now carried a balance. I called GM Financial and even they were surprised stating this was the first time they had seen this either. However, no action was taken after I submitted 2 complaints and had 2 phone calls with them. It now shows that someone had closed out the account to cover their tracks but left the errors still showing on the account so now I have proof of their errors and evidence of hiding their tracks.
This is a disaster of company operations and GM Financial should be held accountable. I can't imagine how many others are being affected by this as well.
|
| 06/20/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
WithGMFinancial,myduedatesareontheXXXXofthemonth.Iregularlypayovertheamountdue(amountdueis{$220.00},Iusuallypay{$250.00}).Inthepast,thishasresultedinlowerandlowermonthlyduesfrommyoverpayments.Lastmonth(XXXX),IwentonGMFinancial'swebsitetopaymybillontheXXXXasIalwaysdo.ThewebsitesaidthatIowed{$0.00}asoftheXXXX(Itriplecheckedthatiswasupdatedasoftheduedateandnotapreviousdate),soIassumedthatmyoverpaymentshadcaughtupandIlegitimatelyowednothingforthatmonth.IrecentlyreceivedanemailthatIhadbereportedasadelinquentaccount,whenthesitetoldmeIowednothing.Thiswasnotaproblemwithresponsibilityorfinancialstatus,butratherawebsitethatwasnotupdatedwhenitsaiditwas.IhaveneverbeenreportedasadelinquentaccountwithGMFinancialbefore,buttheyrefusedtoworkwithmeonthisissuewhenIfeelthattheywereinthewrongwiththeirwebsitebeingincorrectandnottellingmeaccurateinformation.Additionally,theyclaimthatmynumberisontheir"donotcall''list,andthatiswhyIwasnevergivenaheads-up-Ineverrequestedtonotbecalled(Iamsureofthis).
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
In XXXX my wallet & personal information was stolen & I experienced identity theft. I alerted all the proper authorities. I also in the past have placed a fraud alert with XXXX XXXX XXXX In XXXX after getting updated credit reports from all 3 credit bureaus I was made aware there was a auto loan with company GM Financial. I immediately went to XXXX police department to report identity theft. I filed a police report & have submitted it to the credit bureaus & GM Financial Company. I wasn't getting any response or cooperation except from XXXX whom finally removed the account. The FCRA fair credit reporting act is supposed to protect me as a consumer. The company & credit bureaus have had well over 30days to provide original authorized documentation to proof this is my account. They have failed to provide this burden. I have been affected & denied housing & other products. I have had to reach out & obtain a lawyer. I am requesting & demanding an account deletion immediately.
|
| 07/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
We purchased a vehicle in XXXX from XXXX XXXX, who contacted GM Financial for funding. We were denied credit through GM because of a report from XXXX , XXXX, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the 700 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken GM over two months to send us any notification.Have been told by others GM approves only wealthy people. GM needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. XXXX needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and XXXX to file reports with The Consumer Financial Protection Bureau.
|
| 04/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I discovered that GM Financial was not sending updates concerning my on time payments. I only discovered it after calling them to dispute a late payment reported to the three major bureaus inXX/XX/XXXX. The company ( GM ) advise that it was a company wide issue that they switch systems and that they were making errors so not to get anyone credit incorrect, they elected not to report. However, it has been 4 months since they have submitted and update. I'm working to rebuild my credit and the last then sent is a late payment over 4 months ago. My loan is new so its driving down my points daily as it looks that I no longer have the loan and after 3 payments one was late! I demanded that they send an update to the bureaus and they stated they would. I demanded that they send a letter to me advising that the task is complete. I'm yet to received this letter. Please help to resolve this issue as my family and I am looking to purchase a home and this is hurting us.
|
| 12/31/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
I went to get a lease on a truck. I got one sum from the sale person, and at the point of sale I wanted to keep my car. The lease got to be twice the amount, and a down payment. But I keep the car. Now, the truck has been repossed by the loan company. The amount of the lease is as much as it would take to own the truck, and it remains a lease. I got XXXX regections from the loan company, and tried to take the truck back on XXXX differant accations. The lease came throw, and my credit was gone, the day I went into the dealer. So the loan was out of wack, and I have been kicked out of my bank, and I am unable to pay for my lease, I was kicked out a XXXX point. This seems to be timed as to the same kind of timing, the lease and the bank kicking me out at XXXX point. and My credit was over XXXX and now, and at the time the loan was processed, not good enough to get a loan and the company still gave me the loan at twice the price and a down payment, After regection XXXX times.
|
| 03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
GM Financial Open date : XX/XX/XXXX Closed date : XX/XX/XXXX Highest balance : {$7400.00} Issue : the car was returned for lease termination.
GM Financial never sent the closing statement for final payment. I called in twice in the following 5 months and was told the closing statement had not been generated.
When I called in XXXX, XXXX to gather information on 3 GM financial accounts ( all car leases ) for mortgage application purpose I was told this one account was 60 days delinquent ( other 2 were closed ). I asked for explanation and I was told they had sent out closing statement in mail and called my cell phone.
However, I have never received the closing statement in mail and gotten any voicemail from GM financial. I never pick up phone # s that's recognized. however, I've never received voicemails left by GM Financial.
I've requested to file a dispute but GM Financial never documented the complaint and created a dispute case. I've also filed a dispute with XXXX
|
| 08/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
15 U.S.Code {$1600.00} ( 0 ) - right to rescind after 3 years Rescind paper work was never furnished 15 U.S.Code {$1600.00} ( b ) - right to rescind and keep the property 15 U.S.Code {$1600.00} - Finance charge defined Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Service or carrying charge. Loan fee, finder 's fee, or similar charge.
15 U.S. Code $ 166z ( b ) - mixing cash with consumer credit transaction I was mislead into this deal and car was taken under law I am entitled to entitled to two times the amount of the finance charge which was {$27000.00}, {$1000.00} for all additional violations, and or they can receive up to 1 year in federal prison for false and misleading information and illegally repossessing the vehicle. I want this debt completely removed from credit report and to be compensated for illegally and wrongfully leading me into this contract and unlawfully repossessing vehicle
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Older American |
|
My XXXX XXXX XX/XX/XXXX. ACCOUNT # XXXX.
GM Financial Granted us a 6 month extension on the XXXX.
With that Extension, XXXX miles is added for every month.
The 6 month extension expired XX/XX/XXXX.
I was granted a month to month extension, with the same rules, an additional XXXX miles a month.
Allegedly, they sent ( 6 ) correspondence letters to myself and my wife, with the last one mailed out XX/XX/XXXX.
I continued making monthly payments.
They continued cashing checks.
I attempted to XXXX XXXX and XXXX / XXXX a XXXX XXXX.
Their New Minimum XXXX XXXX of XXXX, didn't allow me to that option.
My Score was knocked down by their late payment games and a prior game they played with me XXXX years ago.
XX/XX/XXXX, they took my vehicle UNANNOUNCED.
THEY WANT ME TO PAY {$2500.00}.
I AM LIVING IN A FEDERALLY SUBSIDIZED SENIOR COMMITTE WITH S S OUR ONLY INCOME. WE CAN'T AFFORD THAT AND WE'D LIKE TO HAVE THEM PREVENT THIS ON EITHER OF OUR XXXX XXXX.
CHANCES ARE ...
|
| 10/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
This is our third complaint now against GM Financial because they're still not addressing the issue, and their second response is literally the same letter as the first. After they tricked us into repossessing it, they now won't let us make payments on it. We've been calling all summer trying to get something worked out so that we can continue making our scheduled payments. Every person we talk to says we have make payments by phone, but the phone payment system says we're not eligible. Every option they have said is available to us, they find a way to block it. We mailed a payment in, they said they never received it even though tracking shows delivered at their address. When we try to get something finalized with them on the phones because the phone option doesn't work, we get placed on hold for 1+ hours and/or they " accidently '' drop our calls. We get talked to like trash by everyone we talked to. All we want to do is make our payments and they're not letting us.
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Had a lease car with GM. Paid all 27 months on time and never missed a payment. Returned car in XX/XX/XXXX and received 8 bills ranging from $ XXXX down to $ XXXX and some change from XXXX through XX/XX/XXXX. Finally in XX/XX/XXXX they said I owed {$10000.00} for excessive mileage. I do owe a few XXXX but not that amount. I told them that if this wasn't rectified, I will have to get an attorney involved. I was put on a no call list. Never heard from them either by phone, mail, text or email about my account. I had two people die in XX/XX/XXXX so I was dealing with estates, funerals, etc.. Finally received a bill in XXXX of this year. Called up the end of lease department and no one can help me. Sent them again the paper I received from dealership when I turned the car in with the mileage. The worst thing is that this is affecting my daughters and my credit score. They keeping marking the reports because we didn't pay. I need the markers removed from XX/XX/XXXX to now.
|
| 04/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
DUE= {$310.00} owe ( 30 days past due ). My lease was due XX/XX/XXXX but dealers were closed so I didn't have a place to hand back my car.
ACTIONS= 1. I was told to drop it off at any dealers. But all the dealers shut down their business due to the pandemic around end of XXXX XXXX I am in California ) 2. I was told to hold onto the car and " no additional charges would I apply '' since no dealers were opened. I have proofs of the texts that I sent to GM.
3. I got call from GM in XXXX that I was " late '' and past 30 days due date.
4. I called them, texted them on my dashboard app and texted them on my car. It was extremely difficult to get a hold of anyone. Finally, after 4 attempts, I got thru to someone today. I was transferred 4 times, spoke to 4 sales reps -- all denied that anyone said this to me. The 5th sales rep finally gave me a GM email so I can show them my texts and I will.
I need help to handle with GM Financials. It is illegal what they are doing.
|
| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, Americredit XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
|
| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 30 days late ( XX/XX/XXXX ) since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status.
GMFNANCIAL - ****** Opened Date XX/XX/XXXX Balance {$11000.00} GMFNANCIAL - ****** Opened Date XX/XX/XXXX Balance {$20000.00} GM FINANCIAL - XXXX Opened Date XX/XX/XXXX Balance {$10000.00} GM FINANCIAL - XXXX Opened Date XX/XX/XXXX Balance {$20000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$11000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$20000.00}
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| 08/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I requested 6 months of payments be added to the end of my loan. at the original maturity date i paid the additional 6 payments that i was supposed to and the company still told me i owed about {$2500.00}. I advised them that this couldn't happen since i already paid the payments i placed at the end of the loan. Then after my new maturity date i did not receive any additional documentation or bills and they repossessed my car. When i contacted them they advised that the last contact was approximately XXXX when they sent a letter out. I did not receive any additional information after that so i assumed the issue was fixed, until i woke up and my car was repossessed. I contacted them immediately and they advised me now my balance to get my car back went from {$2500.00}, to almost {$3000.00}. This was a huge financial impact as my credit report wasn't even showing i was behind on any payments at the end of my loan but yet they went and sent my car for repossession.
|
| 06/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I co-signed a lease for a XXXX XXXX for my son who is XXXX XXXX military. XXXX years later, while my son was driving, the vehicles brakes malfunctioned which caused a total loss to the vehicle. GM financial leasing accepted payment of {$14000.00} as of XX/XX/XXXX and agreed to release lien and title. On XX/XX/XXXX I received a call from GM Financial Leasing attempting to extort monies for the vehicle claiming the mileage was over allowed mileage at XXXX. GM Financial then immediately reported to the credit bureau that I was XXXX days late on payments and I owed them in excess of $ XXXX for the totaled vehicle. This information is incorrect and I sent proof that the actual mileage on the vehicle was XXXX which is well below the allowance. GM has not resolved this issue or made a correction to my credit report. I am requesting that my credit be restored and that GM stop their malicious extortion attempts to collect for a vehicle for which they were already paid.
|
| 12/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
So I recently purchased a vehicle with XXXX XXXX. When purchasing the vehicle I was lied to about the loan and final purchase price. I am currently paying at the end of my loan double the amount of the sticker price and my loan has only a XXXX percent interest rate. So only after purchasing the car did I find out how much Im actually paying for the vehicle. I feel like I was completely taken advantage of. I have fair credit and I also put down a substantial amount on the vehicle. In my excitement I think that they took advantage of that and knew that they could give me a predatory loan. Even the head salesman said they pulled some strings to get me the loan. Im currently paying XXXX $ every XXXX weeks on an XXXX year loan and Im very upset because I love the vehicle but feel like I was taken advantage of and not explained the loan in full detail. Please help me in this matter and maybe other people who have been taken advantage of. Thanks sincerely XXXX XXXX
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| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2022, A XXXX XXXX located in XXXX, Texas collected my personal information under false pretenses ( claiming a cash prize I had won ) and submitted it to the credit bureaus in an unauthorized attempt to offer me financing for a vehicle purchase that I did not want nor request. Unfortunately, this resulted in a XXXX of new hard credit inquiries on my credit reports that I did not want nor authorize. I was advised to contact each of the individual financing companies that initiated hard inquiries on my report, as to request the removal of each fraudulent inquiry individually.
On XX/XX/2022, I mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX to inform them about the issue and to request the retraction of the unauthorized credit inquiry. Unfortunately, said letter was returned to me on XX/XX/2022, as 'Undeliverable ' due to the fact that they are reporting an incorrect address to the credit bureaus. Therefore, my inquiry still needs to be addressed.
|
| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX a final payment in the amount of {$29000.00} was made and applied to my GM Financial account to payoff the loan for my XXXX XXXX XXXX XXXX. To date GM financial has failed to update my credit report showing the loan as paid in full and the account closed despite multiple phone calls and messages requesting they update the reporting. Each time I am told they will update the reporting and it will take 30 days. I wait the 30 days and the reporting does not change. The account still shows the balance, and there has been no updates to the entry since XX/XX/XXXX. The GM financial website shows that the account is closed and paid in full. The customer service team has also confirmed it is paid in full and closed. This has caused my debt to income ratio to be inaccurately skewed which cost me to have a higher interest rate on my new mortgage and has also impacted my ability to finance a vehicle as the banks think this account is still open and active.
|
| 04/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I obtained a loan from GM Financial in XX/XX/2017, a {$29000.00} loan for {$470.00} a month for 72 months. in XX/XX/2017 I requested a pay off amount. Every since I requested the pay off, they have stopped reporting my payments to the credit bureau. It makes me look 5 payments behind on my loan plus my credit report shows me owing {$2500.00} more than I really owe. The company stopped reporting my payments to reduce my credit score so I could not obtain a loan from another company. This is a huge rip off scam being used by this company. I think an investigation is in order. When I confronted them about the issue, they said they stopped reporting because of " errors ''. Please stop these people from doing this. It is highly profitable for this company to use this practice because it keeps their customers buried in the same loan and because of the misreporting, it limits customers ability to obtain new loans as their credit scores don't reflect payments made.
|
| 06/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I received a bill for an end of lease disposition fee in the amount of {$420.00} from GM Financial leasing. I received it on XX/XX/XXXX, due on XX/XX/XXXX. Not much leeway time there. I called this week to see if I can get a waiver or partial waiver of this fee for the following reasons. 1 - I am still an existing GM customer as I have another leased vehicle, 2 - Due to COVID and the fact that I have XXXX XXXX XXXX my work situation has changed and my income has been reduced. and 3 - The vehicle was returned in mint condition and significantly under mileage. While the individual I spoke to was very cordial there was no consideration given to my request. I then attempted to file a complaint on the company 's website and when I went to submit ( tried 3 times today ) it said you can not submit this complaint and gave me another phone number to call. I am extremely disappointed that my request is not even being considered and that the communication is so poor.
|
| 03/06/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
On XX/XX/2019 at XXXX XXXX I received a phone call. I wasnt able to pick up the call, but saw that I received a voicemail at XXXX for 28 seconds. It was a female stating to please call back before XXXX and said to call this number ( XXXX ) XXXX. I originally called the first number I received which was ( XXXX ) XXXX. I spoke to a male agent and I provided him my social to look up my account and he asked me if the person who left a voicemail had provided an extension or account number, I said no. He checked my first account and said its in good standing and doesnt understand why I was called. He then pulled up the other account which I initially provided a court order judgement signed by a FL Judge stating that the vehicle is not my responsibility to pay, only for the other vehicle which I am still paying.
The agent advised me that the second account has a legal status and therefore, they were not able to attempt to make a call in regards to that account.
|
| 05/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XXXX XXXX , 2017 I submitted a dispute to XXXX regarding GM financial on my credit report. I asked for all the information regarding the account be verified. On XXXX XXXX , 2017 t he investigation was completed and it came back verified. It is my belief that XXXX did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed. XXXX is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my XXXX dispute regarding this account. I have also supplied you with the latest information reporting from XXXX so that you may compare the inaccuracies.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXXXXXX XXXX Acct # XXXXXXXX GM Financial Acct XXXX XXXX 15 U S C 1681 section 602 A states, I have the right to privacy.
15 U S C 1681 section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions.
15 U S C 1681 c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information with any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U S C 1681 s-2 section states, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
My Account number with General Motors Financial is XXXX. My name is XXXX XXXX. GM Have been reporting my account to the credit Bureaus as late but actually my payments have not been late. In the year of XXXX of XXXX and XXXX of XXXX, I was given a deferment on those two months I paid a fee to have those payments put to the end of the payment book. The customer service representive informed me that a payment will not be due until XXXX of XXXX. She in formed me to pay before or on XXXX of each month if not would be reported late to the credit bureaus.. All of my payments have been paid before or on the XXXX of each month but still Gm is reporting account as late.I do not understand because this is what the customer rep told me.Due to the inaccurate reporting my credit is suffering bad.Thank you very much for your help to resolve this matter. The mix up occurred when I got the two payment defered I think or my payments are posted at a latter date. Thanks.
|
| 11/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I went into XXXX XXXX XXXX to inquire on possible trading my car in for a newer model and year. I specifically told the sales rep to only run my credit once and if they were unable to give me the deal I was looking for off of that one hit, then I wasn't going to proceed with any transactions. However, once my credit was pulled once for the purpose of getting a car, I was not offered the deal I wanted and turned down the offers that were made to me by the dealership. However, later I discovered that they ran my credit more that once through other financial institutions in efforts to inquire car financing on my behalf ; something, I specifically asked them not to do. I recently worked hard on build my credit up so that I could purchase a home, which I recently did prior to entering this dealership -- and as a result of the hard inquires acquired due to them running my credit more than once, lowered my credit rating, something I take pride in maintaining.
|
| 08/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Previous CFPB complaint # XXXX. Previously I advised that I returned my lease for my XXXX Chevy Cruze XX/XX/2015. I returned 3 months early due to many recalls as well as transmission issues. ( I was already on XXXX transmission after only XXXX miles ) Previously the CFPB case I opened told me that my account was closed, and I was even issued a refund for a payment. I am now getting harassed stating that I owe GM {$1700.00} for returning my lease. WHY would I owe money, after they had issued ME a refund check. This is extortion for money that I do not owe, and was told I do not owe. Please refer to the letter I received in my prior CFPB case. I also tried to call the person that wrote that letter numerous times with no reply. Every time I call GM, I am told they will investigate, and I do not hear back, or I get passed around. I do not owe this money, and if GM continues to pursue it, or if my credit gets affected in any way, I will seek legal counsel.
|
| 10/25/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
on XXXX XXXX i leased a car from XXXX/ General Motors Financial , for 3 years, i did auto payments of XXXX $ a month, in XX/XX/2020 i noticed from my credit card company that i am late on the payment for 75 days, i was shocked, i new, i have auto payment like all my other payment, i called GM , they said that the auto payments was only for 1 year, and they stopped the payment from XXXX, XXXX and XXXX, 75 days, i never stop the auto payment since i leased the car for 3 years, i never got any letter from them notifying me before XXXX that they stop the auto payment, i was sick at home for 3 months with the corona virus, now i`m having big problem with my credit score, i paid the same day the payments for 3 months and advance payment for next month, i never got any latter from GM say anything about the stopping the auto payment, GM telephone # i called is XXXX XXXX XXXX, account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you for your help
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX of XXXX XXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and GM Financial did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. GM Financial has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. GM refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX kids under XXXX while working. This is grossly unfair in the first place, but even more unfair that GM Financial refuses to correct its credit reporting.
|
| 08/17/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
Leased XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, CA. on XX/XX/XXXX Was never told about disposition fee at time of signing. If we had, we would never have leased the vehicle. OnXX/XX/XXXX, I suffered a XXXX and have been unable to drive since. We continued with lease. My husband did all driving since then. When we turned in vehicle at end of lease XX/XX/XXXX, 2 months later received a bill for disposition fee of $XXXX plus tax from GM Financial, I went back to lease agreement and saw disposition fee. Contacted GM Financial and told them that I could no longer drive therefore could not buy or lease another vehicle. My husband had his own vehicle. I talked to at least 4 different individuals and got no where. A GM consultant by the name of XXXX who represents XXXX XXXX was suppose to contact me to discuss this problem. She never contacted me. I have made numerous calls to both XXXX XXXX and GM Financial to get help and they do not return my calls.
|
| 01/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Bought a car, was ripped off in payment as it was increased after loan was signed. I paid on time then could not keep up with payments. I tried to refinance for a smaller payment, they refused so I told them I voluntarily surrender the car. I made sure it was clean and had gas. It was in great condition, they picked it up like I was a criminal, I handed them the keys. They auctioned it or sold it. And tried to get me to pay {$12000.00}. They then charged it off as a bad debt write off for taxes. Reported me being late XX/XX/XXXX, what it was charged off in XXXX, still reporting late payments and a balance due of {$12000.00}. FCRA says if it is charged off the balance is XXXX as they can no longer collect. It has been written off their taxes. I have disputed all three credit bureaus and GM still has not corrected. I have also called them directly and they are still reporting incorrectly. Do not use under any circumstances. You will be XXXX in the end.
|
| 04/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I leased a vehicle from XXXX XXXX and turned in the vehicle on XXXX XXXX and purchased a new vehicle the same day. They took possesion of the old car ( XXXX ) with the original license plates and my new car got new plates from dealership.
A year an have later, I received notice from the credit bureaus that I had an outstanding debt from GM Financials -- the lessor. When I contacted them, they said there were property taxes due for XXXX, which I didn't have possession for. They asked me to send confirmation that the dealer took possession of the vehicle on XX/XX/XXXX and I emailed the documentation on XX/XX/XXXX. I continue to receive calls and have this listed on my credit reports.
On DMV 's website it indicates-If the lessee relinquishes the leased vehicle at lease terminaation, the lessee has no further obligation to DMV regarding this vehicle. Any actions regarding the vehicle after relinquishment are the sole responsibility of the lessor.
.
|
| 02/08/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I had a lease with GM Financial for a XXXX XXXX. At the end of the lease term, I worked with my local credit union to get a loan to buy the car. I closed on my auto loan on XX/XX/XXXX. The loan amount was based on the payoff information provided by GM Financial. In XXXX, I received a call from GM Financial advising me that my lease payment was late. When I told them I had purchased the car, they said they did not have that information. I called the dealership who sent GM Financial the check and they show that the check cleared on XX/XX/XXXX. GM Financial reported a late payment to my credit bureau.I have called them multiple times and they refuse to remove the late payment report.Every time I call they act like they have no idea what I'm talking about, why I'm calling. They told me that the dealer needs to send them a copy of the cancelled check ( which they have done ). Nevertheless, GM Financial will not remove the negative report from my credit.
|
| 05/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a vehicle financed. I had an accident. The vehicle was totalled. My primary insurance paid their share of their claim to the finance company within 30 days. I carried GAP insurance. It took them almost 4 months to pay their share of the claim to my finance company. There was a small balance that I was responsible for. A fter contacting the finance company after receiving a bill for a balance due on the account, I promptly paid the balance. The account was finally closed with a zero balance. The next thing I know I get a letter from GM FINANCIAL stating that the account indeed had been paid and has a XXXX balance. Then they added a remark that my account was charged off even with a XXXX balance. The statement CHARGED OFF, currently on my credit report needs to be removed immediately. I have been denied a car loan and a mortgage as a result of their error. Once again, it must be corrected or my credit score wo n't improve at all.
HELP!
|
| 03/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
GM Financial somehow lost my {$300.00} payment that was sent to them in XX/XX/XXXX and/or XX/XX/XXXX. Their records indicate that I never made a payment ; I sent them my statement from that time period that confirms that they did indeed receive and process the payment for {$300.00}. I contacted them in XX/XX/XXXX to resolve this, and no one has done anything so far. Everytime I speak to someone over the phone or via email, I am told that management is looking into it. It has been almost 3 months. This needs to be handled ASAP. My loan had an original payoff date of XX/XX/XXXX, but now it shows that I owe {$1000.00} in late fees that never should have been there. I paid my bill on time every month. They need to locate this missing payment. It was taken out of my account and processed by them, and they refuse to acknowledge this. This loan is showing negative marks on my credit as well as a leftover balance of {$1000.00} due to GM Financial 's error.
|
| 10/02/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Lease account was paid in full and closed in XX/XX/XXXX, as can be seen on credit report. XXXX XXXX reopened account in error in XX/XX/XXXX. Tried working things out with XXXX XXXX directly, after which they assured that my credit score would not be affected as the account was reopened in error. The following month, the account appeared on my credit report as 120 days past due. At that point, contacted XXXX XXXX again, at which point they assured that they 'd fix the issue quickly on their end. After another 8-9 months of no change, I submitted a dispute through Transunion in XX/XX/XXXX. The Investigation was completed and resulted in the disputed information being updated and corrected on my account on XX/XX/XXXX. On XX/XX/XXXX, I received an alert from my credit monitoring service, stating that the account had been reposted as delinquent by XXXX XXXX. Currently on hold with XXXX in figuring out the easiest way to, once again, get this corrected.
|
| 06/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Per previous complaint XXXX. Which was resolved, with conditions of GM Completing tasks to finalize my servicing needs. GM Financial has not upheld their original promise of removing the late reporting for XX/XX/2017 and XX/XX/2017. These 2 months still show as delinquent. GM financial should have removed these items given GM Financial was going through a chaotic system update which hindered my payments from being processed correctly. This is a violation of the fair debt collection act as creditors are supposed to allocate to principal a d interest before any late fees, GM Financial applied my payment to late fees and left my principal and interest still showing due. At the time I received a payoff {$250.00} excluding late fees in which I paid XXXX and again GM Financial violated the FDCA by applying that payment to late fees only. This needs to be rectified, as these erroneous late reporting have caused difficulties in obtaining new credit.
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem with product or service terms changing
|
|
Web |
|
|
I'm very concerned about my background screen I'm going for a big opportunity a better future for me an my children I'm not the same person I was iv senc moved to XXXX and have started a new life iv left XXXX Michigan to better my self nor to be judged on my past imma hard working man iv giving my life to XXXX for the XXXX time I'm being the man the brother the father the son that my family needs and I feel this report isn't given me the opportunity to grow and build the stable career that I need it's not far for a man who given his all to change and helping the youth I help everyone I come across along the way XXXX is good and I intend to continue to encourage and motivate I have XXXX XXXX XXXX XXXX XXXX who needs me all I'm asking for is a chance to be developed into a better leader of many Time brings change and I'm not the same person I was and thanks for the opportunity to speak on my behalf it really means a lot have an a blessed day
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX Dear XXXX XXXX : I need to make a consumer complaint. On XX/XX/XXXX of XXXX I purchased a car from a car dealership named XXXX 's in XXXX, PA. This dealership sold a car to me without checking my income verification. I am on social security and could in no way afford a $ XXXX car payment. I brought the car back to the dealership on XXXX XXXX XXXX I would like your department to investigate this matter. I believe I will be protected under the Americans with Disabilities Act as I am XXXX and was sold a car that was not within my budget. I am requesting that the dealership remove this item from my credit report. The dealership sold the car to someone else and I received a check for only {$720.00}. I would like your team to reach other to GMC Financial and the XXXX 's XXXX The salesman that I am working with is XXXX.
XXXX XXXX XXXX 's XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/29/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In XX/XX/XXXX/XX/XX/XXXX my account was updated to reflect that I did not want any calls from this company to my job or any phone numbers that I am associated with. I have recently received 3 phone calls to my job from this company. The 1st call was on XX/XX/XXXX at XXXX XXXX. The next call was on XX/XX/XXXX at XXXX XXXX. I told the agent that there is already a cease and desist on file and his company should not be calling this number. He stated that he would update the account and I would not receive anymore calls. On XX/XX/XXXX I received a call from this company at XXXX. I am now feeling harassed by this company because I have asked them to stop calling and they have refused to do so. They are calling about a XX/XX/XXXX vehicle that I have traded in. The payoff has already been sent to this company by the dealership. My employer does not allow any personal calls and this company continues to call. I want all calls to stop immediately.
|
| 04/02/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
I recently viewed my XXXX Credit Report and observed that GM Financial conducted an inquire 3 times, XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I do n't recall granting authorization to GM Financial to inquire my XXXX credit report 3 times in a time period of 5 days. I am requesting GMFINANCIAL to send me the documentation 's used to authorize there inquiries so I can verify it 's validity. If they are unable to provide me the mentioned document 's ( 3 ) I am requesting GMFINANCIAL TO REMOVE THE INQUIERIES FROM MY XXXX CREDIT REPORT. I am prepared to seek legal council and pursue legal action for GMFINANCIAL knowingly and willingly violating my rights granted to me by the FCRA. Thank you for your immediate action to my request. Furthermore, in addition to GMFINANCIAL contacting XXXX I want GMFINANCIAL to send me a letter confirming that the request was made to XXXX to remove the mentioned inquiries from my credit report for my records.
|
| 03/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX 's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my XXXX credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, XXXX XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and GM Financial auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
|
| 11/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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I leased a XXXX XXXX XXXX with GM Financial in XX/XX/XXXX0f XX/XX/XXXX. The account number was XXXX. Not even ( 2 ) weeks later XXXX XXXX, swapped out the vehicle on that lease for a new XXXX XXXX because the original was a lemon. The new account number is XXXX. From the time that I signed the lease paperwork for the 2nd XXXX XXXX up until XX/XX/XXXX, I made ( 5 ) payments. Then all of the sudden GM Financial had issues with something that XXXX XXXX did or did not do. GM Financial obtained my XXXX XXXX credit report by pulling a hard inquiry without my OK on XX/XX/XXXX. That inquiry is still there. They seemed to have fixed the issue with the ( 2 ) accounts. But NOW THEY ARE SAYING THAT I HAVE A PAYMENT DUE on XX/XX/XXXX. I am PAID ON MY ACCOUNT UNTIL XX/XX/XXXX. As stated above, I made ( 5 ) payments! GM Financial needs to find the 5th payment, because they got my money, and apply it to my account BEFORE the account shows as past due.
|
| 02/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Hello, I am writing regarding an old item that is reporting on my credit report.
It is with GM Financial, in todays environment the auto industry is sparse in selection along with inflation stock shortages it is almost impossible to get a reasonable price or loan. Having items on my report that are working against me is creating unhealthy stress.
I understand that information may be reporting correctly, but quite honestly this is a jail sentence. I am in credit jail! XXXX has made matters much worse and I am handcuffed when I could be reasonably providing for my XXXX kids.
I am requesting that at the discretion of GM Financial that they choose to no longer report to the XXXX credit reporting agencies and remove any existing information from my report.
It is with great appreciation that I ask this. This account is so old and I understand the law but I also understand that GM DOES have the option to opt out of continuing to report.
|
| 09/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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On XXXX XXXX, XXXX, I was returning to work when my car just shut down with no warning. I called roadside assistance and had the vehicle towed to XXXX in XXXX, XXXX XXXX The next day they called and towed me my motor was gone in my car. I could not believe what they were saying. I asked how. The lady replied, " A rod was blown. '' Immediately upon this diagnosis, I had the car towed to XXXX XXXX XXXX, XXXX XXXX They told me the motor was gone as well. My service advisor said the engine filter was wet. I was informed I caused the damage and my motor will not be covered under the XXXX mile powertrain warranty. I purchased this car as XXXX from XXXX XXXX XXXX XXXX XXXX XXXX or XXXX miles already on the car. Now XXXX XXXX says I owe that balance regardless of what is going on. They even told me if they repossessed the car and resold it they will NOT close the account on my credit report and will report it late for the term of the contract.
|
| 09/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
|
|
I called GM FINANCIAL on XXXX/XXXX/16 requesting a 60 day deferrment. I was advised all I needed to pay was {$200.00} and I would not have a payment due till XXXX/XXXX/2016. The deferrment would cover XXXX and XXXX payment. I provided the checking account information for the funds to come out on the XXXX. During this time I had XXXX which required a hospital stay and a long recovery period. I noticed that as of today XXXX/XXXX/16 the funds never came out for the {$200.00}, and also noticed I was receiving a barrage of phone calls and emails. I called GM back and was advised by a representative that they had the wrong checking account information and therefore the deferrment did not go through. I advised the representative that I wasnt notified and that any negative reporting should be null and void and I shouldnt be past due. Please look into this and see what happened to the call I made on XXXX and why the deferrment didnt go through.
|
| 07/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
The Auto dealer at XXXX XXXX XXXX in Vermont asked me to finance with the bank rather than pay them directly on XXXX XXXX. I agreed intending to send a check immediately to pay off the balance. The financed amount included an additional warranty for {$930.00} that I cancelled the next morning. I was told the amount of the loan would not include that {$930.00}. However for 47 days I could not get any account number or information from GM financial or from the dealer. I did not receive a bill, could not sign up on the account website, and could not get the details I needed to pay off the loan. The dealer said GM financial could not open the loan account until we had VT drivers ' licences. That took us until XXXX XXXX before I had access to the GM loan details. By that time {$730.00} in additional finance charges had accrued, the {$930.00} had not be deducted and hours have been wasted on the phone to both GM financial and XXXX XXXX XXXX.
|
| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days.
XX/XX/2022 - XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXXXXXX XXXX ( unauthorized/unverifiable hard XXXX XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX - Auto Finance ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX ) XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
|
| 01/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2018 I XXXX XXXX entered into a consumer credit Transaction with GM FINANCIAL. Money was taken from me as a down payment in a consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605 The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. GM FINANCIAL also didnt include my insurance in the finance charge which is supposed to be included. These are all violations of my federally protected consumers rights. Pursuant to 15 USC 1635 GM FINANCIAL did not include my right to rescission which theyre obligated to do since a security interest was given by me, nor did they inform me that I had 30 days to dispute the validity of the alleged debt pursuant to 15 USC 1692g ( 3 ). More violations of my federally protected consumer rights.
|
| 01/22/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I need GM Financial to provide registration paperwork relating to our leased vehicle. Their phones and websites were closed for a systems upgrade but were supposed to functional on XXXX XXXX. My daughter has been trying to contact them since that date with no website functionality for a duplicate title and no answer tobtheir customer service lines. I took over this project as co-lessee on XXXX XXXX and have tried everything. Our dealer can not even get through to them. I took to XXXX to message GM Financial, but they have only responded with the same XXXX # I have been calling. Their phones are either busy or I get a message saying " due to high call volumes '' they can not take any calls. I have sent another message via XXXX. WHAT I WANT- to fix registration paperwork so my daughter can register her car. Please call or email, or provide a XXXX address ( not PO box ) so I can send a written request and copy in our lawyer. Thank you
|
| 07/22/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
GM Financial in XX/XX/2018 had a system wide upgrade that caused a lot of billing issue for customers. After their system came back online in XX/XX/2018 they incorrectly sent me a bill for {$38.00} instead of my normal bill for lease payment of {$580.00}. At the time I called their Customer Service and they indicated that that was an incorrect bill due to the system upgrade and to pay my normal payment due XX/XX/2018. On XX/XX/2018 I payed the full amount {$580.00} and since then they never reported to me a being late or any further issues. Now I returned the vehicles after paying in full the lease and on the Final Bill they are telling me I am past due the amount of XXXX and this amount is the exact amount if you subtract the XXXX from my normal bill in XX/XX/2018 of {$580.00}. GM Financial made a mistake and I do not owe this amount as I payed in full in XX/XX/2018 {$580.00} PLEASE CORRECT YOUR RECORDS as I do now owe the XXXX
|
| 08/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.
|
| 01/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Two payments were taken out of my account when only one should have been. This put me in a bind. I called in in order to try and get a refund for the extra payment and I was told that it takes 3-5 business days in order for this to be processed and also the funds mailed paper check to my address. I advised the representative to check and see if there was a faster way for the funds to get returned to me and they were not willing to find out. I waited on hold for 40 minutes when I requested to speak to a supervisor. Then the representative returned and told me no supervisor was available and they would transfer me to their voicemail. I asked for the supervisors contact info so I can follow up as this is urgent and I was denied the request.I am reaching out as I need help. I am also going to file a complaint because the way the call was handled was not great customer service at all. Transaction were XX/XX/XXXX for $XXXX and $XXXX.
|
| 02/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/2018 I entered into a deferment plan with finance company believing that it would bring current but, far from what has happened. This company excessive deceptive acts in applying fees and making it impossible to contact or reach them is horrific.I have request real time payments of account and cant get that info. According to my records i am current and showed an amount of credit. This company bills 30 day in advance and reports me late to Credit report agency sa being late every month. I am a online account holder who pays on line every month but they have now locked me out of my account due to excessive fees that no one can answer to. my online account will not allow me to process a monthly payment. its locks me into only paying the excessive amount onXXXX be paid so it will not take monthly payment of XXXX. Called spoke to supervisor forwarding info they requested and never heard back till i tried paying my bill today.
|
| 10/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX at the XXXX XXXX XXXX XXXX.
They told me I was approved for credit and I signed the financing documents.
My original Creditor was XXXX/XXXX XXXX but in XXXX of XXXX it was transferred to XXXX XXXX.
My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX XXXX and only authorized the one credit check which they said was approved.
XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX The XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved.
I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.
|
| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Due to being ignored on multiple occasions, another package was sent Certified Mail # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- and Delivered XX/XX/2023 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A Notice of Interest under trust package was sent to the fiduciary trustee, XXXX XXXX XXXX XXXX but not limited to and including any board members. In this packet, it included a Certificate of Appointment of Trustee, Rescission of Signatures of XXXX, Notice of Subrogation, Certificate of Title Special deposit, and a money order for Issue of Special Deposit for full credit and satisfaction on account # XXXX -- -- -- -- -- -- -- Again my request was ignored. I never received my promissory note back, so GM Financial is a holder, so they are liable. Which means GM Financial is the TRUSTEE. I never received a cash receipt for the promissory note or mandatory disclosure forms under the privacy act in any transaction.
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
They have this account charged off - they show it in collection and there is no collection as they can not collect on this debt. It is from a criminal matter and sent them the District Attorney letter and the restitution order - which is useless as the criminal is XXXX and won't be able to satisfy the restitution to me and other victims. The problem is two fold ... they need to update the status so that the balance is not picked up as current which has been the case with other creditors, and they refuse to send me a 1099-C so the balance can be brought to XXXX which is of course, as you know is my legal right. They need to show it closed they need to send me a 1099-C so that I can rent an apartment. There are XXXX in charge off 's and most of the creditors even if they don't really want to will have to send me a 1099-C and bring the balance down to XXXX which will help me not end up homeless. They are doing this for spite.
|
| 09/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/2018, XXXX XXXX and XXXX XXXX purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX, OH XXXX. We applied for credit, and we were approved. We signed the contract and received the keys. On XX/XX/2018, the lender was contacted to make a payment. The lender said they had no record of the loan. Thirty-seven days from the date of the contract, On XX/XX/2018, we were told by XXXX XXXX XXXX to return the car to the dealership and that we were not approved for credit. I was told I would be in big trouble and they would have to involve the police if I didnt comply. They offered to approve a loan for an older car for a much higher interest rate. The contract I have said there could be no verbal agreements to change the contract. The contract also stated that it is a binding agreement after ten days of the execution of the contract. I have received nothing in writing. I believe this is an unfair credit practice.
|
| 10/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I had a vehicle loan with GM Financial ( Acct # XXXX ) which I refinanced to XXXX XXXX XXXX XXXX XXXX XXXX last month. At the time I refinanced my payoff amount with GM Financial was {$28000.00} and XXXX XXXX XXXX XXXX XXXX XXXX wrote them a check for that amount on X/X/17. GM Financial cashed tgat check on X/XX/17 but has not applied the funds to my account, trying to charge me the full balance of my loan plus additional interest since the time of refinance. They initially tried to tell me that the bank reversed the payoff but I have proof that the check was cashed by them. I have made numerous calls to GM Financial, as well as my bank, and faced GM proof that they deposited the check written to them like they requested. They still have not applied the funds they have recieved to my account resulting in me being charged on two loans for double the amount I should actually owe. This has also adversely effected my credit.
|
| 03/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
We traded in our truck back in XXXX to XXXX XXXX dealership. They sent payoff to GMFinancial and was told that the check was cashed by them as well as the dealership and the loan was paid off. A month or so later and the loan was still not showing as paid off and we continue to receive collection calls/letters. XXXX XXXX sent over proof of payoff and the check being cashed but STILL months later, the lease is still showing not paid off and we continue to get letters/calls and negative credit reporting. I have went above and beyond trying to get this resolved but when you contact them, you get a person who has no idea what they are talking about and you can NEVER speak to a manager or someone who knows what is going on. I have been patiently waiting over 3 months to have this resolved and no one has been able to help me. Please please help me, I am at a loss of what to do and this is not a fair business practice at all!!
|
| 11/05/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
On XXXX/XXXX/XXXX we signed a lease agreement for a specific monthly payment of {$260.00} for 24 months. We payed the first installed by credit card to the dealership on the same day.The dealership sent in a different " signed " document with a first payment of {$330.00} to General Motors financial leasing.
We are being billed for the different amount.
We have sent the agreed to amounts to GM financial along with all supporting documents concerning the contract amount.
We have had several conversations and emails between the dealership and GM Finanacial.
We have been told by the dealership that the issue had been resolved, however GM has no record of it as of this date.
I have attached a chronological list of correspondence with the dealership and GM.
Please note that we received a past due phone call from GM on XXXX/XXXX/XXXX even though the dealership and GM both stated that the first payment had been received.
|
| 11/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter.
GM FINANCIAL XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.
|
| 12/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
GM Financial has put a 30 day late delinquency on the disposition fee of the return on my lease. I had returned the vehicle on XX/XX/XXXX. My account was put on auto-pay, but was not aware that they had removed my auto-pay information after the vehicle was returned. I had a 3 year lease for a XXXX XXXX XXXX. During this time, we had moved to another apartment after the vehicle was returned not receiving the latest letters from GM Financial. I did receive a call that I do not have recollection of in the middle of XXXX as my family and I were dealing with COVID exposure and quarantining for 2 weeks. The balance was settled on XX/XX/XXXX, 2 days after the apparent 30 day bill in the amount of {$430.00}. I was never late on any payments throughout the lease and did not have insufficient funds. I was under the impression this would be automatically taken out, however this was an unfortunate miscommunication and timing.
|
| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
In XX/XX/XXXX GM Financial sent me a late notice on my lease account for XX/XX/XXXX. When I called GM support I was informed over the phone that my auto-pay, which was set up by the GM dealership from day 1, was removed from the system in error due to a system update. GM removed our late fee but reported a late on our credit report. We are in the process of purchasing a house and this late has caused our mortgage rate to increase which will cost us nearly {$200.00} per month more than the estimate prior to the late report. This is the one and only late report on our credit history. GM Financial has not been willing to help resolve this issue with our mortgage lender to correct our credit score to have our rate fixed. I have spoken with multiple managers at GM financial who are unwilling to do what is being asked by my mortgage lender to resolve this issue. They are also unwilling to escalate this issue within GM.
|
| 03/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, CFPB. My name is XXXX XXXX and I am writing desperately to request your help. I dont know what else to do. I hope to have a fair resolution of this issue that General Motors Financial has caused on my credit score.
I tried to solve this problem with them and they stated that they are reporting the account accurately and they will not move a finger to solve what they have caused.
The account I am talking about is the following : GM Financial account XXXX, opened date XX/XX/2016. Highest balance {$19000.00}.
GM Financial has committed multiple violations under the Free Credit Reporting Act and the California Credit Reporting Act : - Inconsistently reporting across bureaus : different number of late payments in XXXX and XXXX.
- Reporting false and erroneous information. - Moving the late payments dates from one mo
nth to another.
Please send the attached documents to GM Financial.
Thank you so much.
|
| 01/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am a leaseholder through GM Financial. Throughout the course of the lease, the ability to setup autopay has been unavailable to me through the online portal. Autopay is an advertised feature of the lease, however it is not possible to setup autopay via the " manage my lease '' function on the GM financial website. As a result, I have had to make all payments manually on a monthly basis, resulting in instances when payments have been late and fees incurred. My preference would have been to enroll in autopay, but because of issues with the company 's website this feature has been unavailable to me. When I tried to submit a complaint on this issue, I also found that the function to submit complaints via the online portal also does not work. The unavailability to me of an autopay feature, despite the fact that this was an advertised feature of the lease produce, results in a potential unfair practice under UDAAP.
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GM Financial has, for over a year, incorrectly reported my balance and continues to ignore my repeated requests to fix my account status with their company. I filed bankruptcy in XXXX of 2019, entered into a reaffirmation agreement in XXXX of 2019 ( attached ), and had the debts in my case XXXX in XXXX of 2019. I have made every payment on time since signing the reaffirmation agreement and have never once, before or after the agreement, been late or missed a payment. Yet when logging into my account, I still can not see my balance, the website shows my account in bankruptcy ( images attached ). My credit reports routinely have an incorrect balance owed because they don't update when I make my monthly payments. I have not received a single statement since entering into the reaffirmation agreement and they're not available online either. This results in an overstated amount owed on the loan on my credit reports.
|
| 03/21/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
I filed a complaint against my auto financing creditor, GM Financial in XXXXof 2018. Gm falsely claimed I was not making payment on my car lease even though my monthly mailed statement said I was always current and never behind. This action heavily impacted my credit score dramatically so I filed a report with the CFPB. After the investigation was complete GM was made accountable for their wrong doing and said in XXXX or XXXX of 2018 that they would correct their allegations and let the credit bureau be aware of the error, and could take 45-90 days for the corrections to be made on my credit report. It has been a year and a half now and my score has not changed nor has that error been removed. I reached out to GM Financial on a couple occasions and they say I am, and never, had an account with them. At this point the car dealership had told me to file another complaint to get this error rectified.
Thank you.
|
| 02/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I recently discovered that your company ran an unauthorized report on me on XX/XX/2018 and XX/XX/2018. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request.
Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature.
PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.
|
| 05/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I have an auto loan wit h GM Financial. On XXXX XXXX , 2017 the car was deemed a total loss. We were advised by the insura nce carrier and GM tha t the payment would be made and GAP insurance would cover the difference and not to worry. The car payment was due XXXX XXXX , 2017 and again XXXX XXXX , 2017 . My account shows an {$8700.00} payment made by XXXX on XXXX XXXX , 2017 when the car payment was due on XXXX XXXX . GM even waived the late fees for XXXX . GM d ebited my bank account on XXXX XXXX , XXXX for {$310.00}. I am now dinged with a 30 day late payment which is TOTALLY unfair. Auto payments should have been XXXX XXXX , XXXX XXXX , XXXX XXXX ( or until GAP paid the remaining balance ). So if XXXX made payment XXXX XXXX , they debited my account on XXXX XXXX and XXXX due date is not here why is my account showing 30 days late??????
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| 05/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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GM Financial was paid in full in XX/XX/2018. I have called, disputed it with the credit reporting agencies, ( XX/XX/2018 ) that the loan is paid in full but still shows open on my credit report. When I called GM ( XX/XX/XXXX & XXXX ) they states that they didn't do updates bcuz they were switching over to a new system which is unacceptable to me. It has affected my credit. When the credit reporting agency contacted them they told them it will be corrected but it's been months and it's still not reported correctly. I called XXXX again ( XX/XX/XXXX ) today & they are still giving the same story. I was also told in XXXX, I will get a Paid If Full letter, it was not generated so I requested it again today. I'm trying to get a mortgage & having 2 open car loans when I only have one is a issue. It's showing my debt higher than what it actually is. Please help. Consumers should not be penalized for XXXX XXXX issues
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| 03/19/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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I sent letter to both addresses listed on credit file and got a response that asked me to fill out FTC report. However, I did this already with FTC and it does n't apply to this company. The account was removed but the inquires are still listed on my report and it is hurting my credit. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX Name '' on XXXX via XXXX certified mail & again XXXX. The company refuses to honor my rights under the XXXX as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
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| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX XXXXXXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
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| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, GM FINANCIAL XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
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| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Im sending this complaint to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
The accounts I am disputing do not relate to any transactions obtaining any possession of, goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that is suited for alleged identity theft.
This account is unknown to me. Also, the information you provided is incorrect, and about have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
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| 05/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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This just another one of the many issues I have had with GM Financial during the course of my loan. I have requested review of m y account on two occasions within the past 2 years because of loan payments not being applied correctly which resulted in additional finance charges. This complaint has come about due to the non reporting of my correct account balance information after I have called and complained to GMFinancial and disputed the reported incorrect information with the credit bureaus. This incorrect reporting was the cause of a disapproval for credit for a major purchase. This was listed as the deciding factor for the new credit disapproval. At the time of this complaint, my balance is XXXX ( est ) and has been reporting that way since XX/XX/2017 as XXXX ( est ), which is the last date reported by GM Financial. Additional has been requested and can/will be submitted to your agency upon request.
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| 06/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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This case was dismissed in court against me for this company on XXXX/XXXX/2016 case number XXXX because it was passed the stature of limitations. I did forward this information to all XXXX credit bureau. I did not dispute that it was not mine but that it was dismissed in court. They responded with this message. XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX : ( XXXX ) XXXX. I am disputing the fact that my report should have been updated and it should show as no balance due on all XXXX credit reports for me for this Charge Off. The balance ( and past due/or past due ) on this account is incorrect it should say {$0.00} since it was Charged Off.
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| 07/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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My car was repossessed and then I paid the amount past due, next payment due and all fees totaling {$2100.00}. Bringing my acct completely current on XX/XX/XXXX. This included my XX/XX/2019 payment.
Then 2 days ago I got a call saying my acct was past due for XXXX and XXXX. I had this investigated and the result was the system is applying payments incorrectly and they don't know why. It can not be fixed so they offered me a deferment of the 2 payments. I took this deferment so my credit isnt adversely affected any further. However, i paid XXXX payment already. Now I'm expected to pay it again at the end if the loan at 18 % interest.
Their computer system is wrong and they are aware and not correcting this.
How many other people has this happened to and how much money ate they making on interest by applying payments wrong.
This is a major violation of the consumer rights! Please look into this!
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| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I prepaid entire lease in full as he brought the car.
When lease ended in XX/XX/XXXX, I tried to return it to the dealership But the dealership, XXXX XXXX GM went out of business I went to several dealerships,, XXXX XXXX, XXXX and XXXX XXXX and no one would take car.
I called gm and they said try XXXX XXXX GM I went to XXXX XXXX, gave them the car, they didnt give me a receipt and they had nothing for me to sign. I asked who does he need to pay, and the dealer said, they didnt now and that GM would send a bill and for to wait for it In XX/XX/XXXX I received bill from GM and paid bill.
A month or two after a {$80.00} bill came and he immediately paid.
In XXXX I ran my credit and it shows late payments.
No notice of past due amounts were sent, no phone calls were made and for no reason I was marked late.
After he paid he got another bill on XXXX stating {$35.00} more is due ( see bill in folder )
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| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to GM.
On XX/XX/XXXX I asked GM for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that XXXX laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to GM ( attached with proof of fax delivery ) and after 30 days I have not had a response from GM or from XXXX XXXX or XXXX and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX ( attached ). I want this deleted because ( 1 ) the GM reporting is inconsistent or incomplete ( 2 ) GM did not respond in 30 days AND ( 3 ) GM provided no documentation they met XXXX laws.
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| 07/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
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I purchased this car at the end of the lease, for the exact Purchase Option amount specified in the lease ( {$13000.00} ). I was told by GM Financial representatives, more than once, that GM Financial could not sell me the car directly since I lived in Pennsylvania, but that I could go to any GM dealer in the area and they could take care of it. I went to XXXX XXXX XXXX in XXXX, PA on XX/XX/2018 and executed the transaction, or so I thought, but I continue to get statements and bills from GM Financial for Lease End Liability charges totaling {$3500.00}. On several subsequent calls to GM Financial, I was told XXXX XXXX could straighten it out, but they seem as confused as I am. Since all I did was execute a contractual option in the lease, and follow the steps I was given by GM Financial to do so, I don't know why I'm in the middle of what is apparently an issue between GM Financial and XXXX XXXX.
|
| 08/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck.
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
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| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX I received a letter from GM Financial that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that XXXX received all of the appropriate documents but they are still is reporting this information on my consumer report.
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| 03/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In 2017, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, Florida, and I told the sales man that I was in need of a car. I had a trade in. I told him the I was on XXXX XXXX XXXX XXXX Insurance and I could not afford a new car. He told me that he had one for {$10000.00}. I agreed to the price, however, without my knowledge, the dealership added a {$10000.00} warranty maintenance agreement. I was struggling to pay the monthly payments ; also, when I discovered that the maintenance warranty was part of my payment, I returned the car because I did not know and was not informed of the maintenance agreement that was on the car.
I notified GM of the issue but they reported it to the credit bureau. I has kept my credit score low and I have been under a heavy financial interest payment.
It was the fraudulent activity by the company that caused the problem and it should not be on my credit report.
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| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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XXXX XXXX is the company they refused vehemently too help with repair on my XXXX XXXX XXXX with a known problem with throttle body and pedal position sensor that is a known problem and are trying too charge me the customer after numerous problems starting at XXXX miles the problem began, and finally, XXXX miles vehicle was left with same problem and General XXXX after filing complaint with customer service refuses too provide any compansation, or even help with rental while my vehicle was being repaired many other others thousands of people on XXXX have paid thousands of dollars for same repair on existing problem with motor train, problem please help make a general motors be held responsible for repair costs as it is not fair thousands of customers must brunt this repair cost due too known motor problem thank you for you help and consideration the claim with General XXXX XXXX XXXX XXXX XXXX
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| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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GM Financial 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart.
ever since the inception of the loan GM has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan.
after i spoke to GM 's representatives at XXXX i was told that GM for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached.
consequently, my credit reflects two late payments caused by GM Financial 's error to maintain a reliable and accurate automatic payment method.
|
| 09/11/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
- Problem with customer service
|
|
Web |
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I received a letter dated XX/XX/XXXX regarding a refund I was suppose to receive from GM financial in the amount of {$3500.00} dollars. I have called multiple times and was told the check has been mailed by multiple employees on XX/XX/XXXX, but I recently called XX/XX/XXXX to find that the check hasnt even been printed. I have requested this refund be processed and overnighted but the employees are refusing to send my refund over night telling me i will receive it by XX/XX/XXXX i called XX/XX/XXXX and the check still hasnt been mailed so there is no way I will receive it by XX/XX/XXXX. So at this point they are holding my refund for no reason and it looks the refund will never be mailed. The same story they keep telling me is the accounting department is back up but i do not believe it should have taken this long nor do I believe its been processed because they have lied to me multiple times.
|
| 03/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
My father 's broker ( XXXX ) pays his monthly car payment to GM Financial by check. For his payment due XX/XX/2019, in the amount of {$450.00} was sent on XX/XX/2019 to : GM Financial XXXX XXXX XXXX XXXX, Az XXXX That is the remit to address provided by GM Financial. The check was endorsed on XX/XX/2019 and cleared dad 's bank of XX/XX/2019. It remains unapplied to his account. I spoke with XXXX by phone. She told me they did not cash the check, saying that they bak with XXXX XXXX XXXX, while the check was endorsed to a XXXX XXXX account. I asked for help from XXXX in identifying the company that cashed the check, but have not heard back as of yet. I suspect that a lockbox service provide misdirected the check, but I have no way of knowing for sure. Despite the fact that I indicated to XXXX that I view this as GM Financial 's responsibility, I have received no support from them on the issue.
|
| 05/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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My complaint relates to the final payment practices for GM Financial. Their website allows for automatic payments from a bank account. However, for the final payoff amount, they force consumers to request a quote, print off the quote with the expiration date on it, and mail a check or money order to their offices. While I understand why this practice was necessary 10 years ago, GM financial clearly has the ability to process a final payment immediately. The unnecessary and convoluted process allows GM Financial to collect an additional 10 days to two weeks worth of interest on an account that would otherwise be paid off. This is a systemic issue and I believe it to be an unfair and deceptive practice. A few weeks worth of interest may not seem to be a significant problem, however, when it is compounded over tens if not hundreds of thousands of loans it amounts to significant consumer harm.
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| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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At the end of my lease i called to have my in person inspection done. They explained that they were not doing inspections due to COVID but i could drop my automobile off at the dealership. I dropped the vehicle off and that was the end of it until i got a bill for new tires. I had just put new tries on the vehicle. Apparently they were not the right speed ratio. I called and explained that due to not having an in person inspection i was never able to rectify the situation. I said well if i have to pay for new tires then i would like the tires that i put on the vehicle. They told be the tires i had put on were sold with the car. The bill for the new tires they are charging me are {$600.00}. My question is why am i paying for new tires when the others were sold with the vehicle? I feel i should have been able to take care of the matter when it was inspected but was never given the option.
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| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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My name is XXXX XXXX I requested a 2 month deferment from GM Financial due to the serious nature of my XXXX I have been with the company for years and because i have to do XXXX for the next 12 weeks I asked if I can get just 2 month deferment and customer service told me they couldn't help me so I emailed XXXX XXXX who is the CEO of the company but some girl XXXX returned my call and told me I exhausted all of my 8 deferments throughout the years, When covid hit and they did the deferments that should not have gone against my personal deferments I didn't start the pandemic so I should not have had to lose my deferments for nationwide pandemic, that should of been courtesy from the government I feel GM Financial is being very unfair due to the circumstances at hand. I am not asking to not pay it I am asking to put it to the back of the loan. Can you please help with this unfair company
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| 06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I have a 30 day late payment listed on my credit report with GM Financial on my XXXX credit report. I disputed this late fee, as it was for the last month of my lease, and was supposed to have been rolled into my final payoff amount ( which I paid promptly ). My dispute results came back as " updated '' but still show the inaccurate late fee. It now also shows additional inaccurate information. My lease was paid off in XXXX of XXXX, but it now shows regular payments being made ( on time ) on that account until XXXX of XXXX. The {$0.00} balance is accurate, but the late fee was not removed, and is still showing on my credit report ( but was changed from XX/XX/XXXX to XXXX of XXXX. I have not had a late payment on any account in almost 10 years, and am trying to protect my credit score. This inaccurate reporting is very frustrating, and the dispute service is not satisfactory at all.
|
| 08/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I have an auto loan with GM financial and in the earlier part of the year, I realized that they were not reporting my account history to the credit bureaus so I contacted them and they told me they were updating their system and they turned their reporting off. So I wasn't pleased with that information so I reported them to the XXXX XXXX XXXX. Once that was done, I checked my credit report and saw that GM financial reported to XXXX XXXX but not XXXX, and I reported this to XXXX XXXX XXXX in XX/XX/2018. I then disputed this with XXXX in XX/XX/2018, and received my dispute results on XX/XX/XXXX, so I checked and the history reported is still incorrect, it is showing my last payment received was in XX/XX/2018, which is incorrect, my last payment was XX/XX/2018. I want the correct information reported to all 3 credit bureaus, as a consumer, I expect this to be done accurately and timely.
|
| 05/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
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Auto Dealer Fraud. Buying a car can be a fun and exciting experience. ... Auto dealer fraud describes deceptive and unlawful practices used by automobile dealers. This type of fraud can occur at any stage of the vehicle purchase process, from advertising to negotiation of vehicle pricing and financing terms.
Under Missouri state law I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data.
I applied for auto loan and specifically repeated no personal guarantee or Id wait until business credit was better. Dealer somehow got my personal SSN even though I have not provided them with a application in the last 30 days. Salesmen cursing at me, being rude. Using threatening and harrassing demeanor.
This is dealer fraud, and identity theft.
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| 06/16/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
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I had a lease with GM Financial which was expiring in XXXX 2015. Beginning in XXXX, 2015 I received numerous calls and letters from GM with several offers to return the car earlier than XXXX and leasing a brand new vehicle. I accepted an offer from GM in XXXX, 2015 and returned the car and leased a 2015. The offer I accepted was GM would cover XXXX lease payments up to {$3000.00} and XXXX cash allowance towards new purchase or lease. I owed XXXX payments to GM@XXXX totaling XXXX which was well below the XXXX max. It is now XX/XX/XXXX and I keep receiving invoices, phone calls, etc from GM requesting the remaining payments on the original lease and late fees. I have called GM and the dealer, XXXX 's Buick in Massachuetts and both keep responding that all is ok so why do I keep getting these invoices. My perception is GM is not honoring their commitments and overcharging their customers.
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| 10/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Web |
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I shave attempted to make payments on the loan but due to other bills the payments were returned. I spoke to a representative via chat and on the phone today and told them I sent a full payment via my bill pay on XXXX Wednesday and they should get it by Friday the representative stated ok she will note the account and hold it as it XXXX not post until Monday. That was todays conversation. I also told her I would send a partial payment on tomorrow as well. Not to long after I received an email from a GM rep named XXXX XXXX who is a collections supervisor ( attaching the email and I responded but as like the others the email states the email is not valid and they will not respond. I just need a week or XXXX to catch up on the loan and bring it due for XXXX Theyalways ok we will hold it but then send me threatening emails that I can not respond to XXXX with XXXX representative this week.
|
| 12/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
GM Financial was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by GM Financial, and I was never provided detail on what that balance was, or how to pay it. We contacted GM financial over 20 different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to GM when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.
|
| 06/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
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At the end of my lease, I received an invoice for over {$1000.00} approximately 6 days before the " due date '' shown on the document charging me excess wear. The car was in pristine condition. No support detailing the purported " excess wear '' was provided. I asked for additional information and after four attempts a service rep directed me to a third party report which included blurry and unintelligible photos of supposed wear with minimal notes. The notes I could read were in direct contradiction to the lease agreement 's definition of excess wear. I tried on several occasions to challenge the assessments and the agents would not even explain to me how to formally appeal the determinations. Just another example of a leasing company trying to take advantage of their customers by submitting invoices with no evidence or description and with almost no lead time before payment is due.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
We had a Retail Installment contract and security Agrement with XXXX XXXX not with Americredit or GM we want this info report on my and my husbands credit file to be removed! We never signed anything with these two lenders XXXX XXXX did, we did not! Its destroying both of our credit, we have asked for it to be removed from our file! We are demanding it, ASAP, wehave provided documented proof we did not sig any loan with GM or Americredit! XXXX XXXX signed the paper! The XXXX was A Lemon had open recalls on and we could not get it repaired the part were comming from XXXX andvXXXX XXXX could not get the part after several months of the car not running and breaking down we stopped making payments and within 1 week the care was picked up and we were told it re sold! We were lied to by the Dealer and This lender we have asked to have this removed off our credit files! But they refused,
|
| 10/15/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I had a truck loan that i never missed a payment on. I paid it every month from XX/XX/XXXX- XX/XX/XXXX. It was paid in full and i had even put on new rims and other accessories. The company in question came and took the vehicle and said that i hadn't made payments. I had paid it from different accounts each month and i no longer have the record of it because it was so long ago but it was paid in full. Now i see that it is on my credit as a charge off for XXXX dollars no less. I have tried to get this fixed with the company in question but had no success. At the time we got tired of fighting it with them and didn't know what to do so we accepted that we just lost a vehicle but now that we see they are showing we still owe XXXX it has gone to far and we don't know where to turn short of getting a lawyer. This has been extremely stressful. We owe nothing at the very least. Please help.
|
| 02/06/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
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I leased a GMC XXXX on XX/XX/XXXX for a 39 month lease. I traded in an old GMC towards the lease to keep payments lower. I was going to purchase the vehicle at the end of the lease, so I was not concerned about mileage. On XX/XX/XXXX, the transmission on the truck was not working correctly. I dropped the truck off to XXXX XXXX XXXX in XXXX XXXX NY. They had the truck till XX/XX/XXXX, when they returned it to me it still was not working correctly. At this point I was over the mileage allowance for the lease. The lease had also matured. I have not had the truck since early XXXX. I have been trying to contact a GM customer assistance representative and to no avail. I made brief contact, but no return calls have been made. I called XXXX at XXXX extension XXXX. My case number is XXXX. I am currently without a vehicle. I am very disappointed in the lack of customer service provided by GM.
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| 08/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
Servicemember |
|
Upon checking my credit report. I see that it is a loan on my report from GM FINANCIAL i don't know anything about this car loan i do see that a family member name is listed as a coborrower. I did not purchase a car using GM. This is causing a lot of complication with me actually getting a vehicle loan. i see that on my credit that the account is paid in full due a settlement but i did not sign any contract with gm. i have a victim of identity theft. i was in the military and came back a lot of things was put in my name, my signature was forge and my account was used and compromised by this. i have a police report for identity theft. i am just now learning how to pull my credit. i am asking gm to please remove this off my credit permanently and put it on the person who is the co borrower on the loan credit. I was again do not know anything about this and would like GM to remove it.
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
|
| 03/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I leased a XXXX XXXX XXXX XXXX for 3 years with financing through GM Financial ( account # XXXX ). The lease was fully pre-paid by me in the amount of {$20000.00}. Before the end of the lease GM issued a recall on the vehicle due to battery fires, and the fix for the defect ( vehicle battery replacement ) was not available at the time my lease term was about to end ( XX/XX/XXXX ). So, instead of buying the car out at the end of the lease, as initially planned, I returned it 2+ months early ( in XXXX of XXXX ), not using the final two months of the lease payments to the tune of {$1100.00}. I requested in XXXX of XXXX that GM financial wave the {$420.00} lease termination fee ( see attached document ) since the vehicle was unsafe, but to this day they did not respond to my letter, instead willfully and maliciously reporting me to several credit rating agencies as a delinquent lessee.
|
| 10/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
My auto loan is through GM Financial, payments are due on the XXXX of the month. I pay my payments online, when I went to make a payment on XXXX XXXX 2016, the system showed that I had a past due amount. All payments were made to date and the only payment due is for XXXX XXXX 2016. I had to make a double payment when nothing was past due. In a " chat '' conversion with XXXX, it was stated that the system shows past due on the due date. This is very wrong. I have not budgeted for a double payment. Their only resolution was to cancel my payment and repay. However now it is the XXXX and I would be past due, the system still shows past due due to the payment not processing yet, and i now would be making a late payment.
I want them to refund the over payment after it has processed AND they need to " Fix '' their system to not show a payment is past due until the day after the due date.
|
| 12/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
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My husband lost his job and was out of work for a while. I'm under doctor 's care and unable to work. I called GM Financial to ask for a deferment, after the deferment I was still unable to make the car payment because we had gotten behind on other bills such as rent and utilities and had to apply for government assistance for food stamps. I called GM Financial on XX/XX/XXXX, I spoke with XXXX in acceleration department where they do the repossessions and her ID XXXX, XXXX told me that not only were they going to repossess my vehicle but that they were going to garnish my wages and garnish every single income tax refund that we get until the loan is paid off. I told her that in Texas that was against the law, she said it would happen anyway. I asked her if this is being recorded because she's incorrect and she said yes it is being recorded and we're going to repossess the vehicle.
|
| 09/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
Asked for removal of unauthorized Hard Inquiries on my XXXX file from : Americredit Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX CXXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
These outrageous inaccuracies not only subject me to embarrassment but also constitute a significant barrier to my rightful access to credit. You and I are fully aware of the laws designed to ensure that credit bureaus exclusively report veracious credit information. It is abundantly clear that the incorporation of such blatant falsehoods in my report is either a colossal error on your part or a grievous misstep by the reporting creditor. I am seething with frustration over the unjustifiable inclusion of the following erroneous details in my credit report : GM FINANCIAL XXXX and please take note that, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim. I look forward on you removing the late payments and negative status of this account.
|
| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I got a truck at XXXX XXXX in XX/XX/2022. I stated I am the beneficiary of this purchase and signed with my beneficiary signature, see attached documents. GM Financial approved the purchase. Upon receiving the contract in the mail, I went and added my terms and had it recorded in the courts so it is a legal contract. GM Financial has received the contract and refused/ignored it. I called multiple times. After being transferred to the XXXX person on XXXX call, I gave the man the Certificate of Record number along with the number under the barcode at the top of the page. I asked them to review it and call back, which they never did. I called back approximately a week later and spoke to another woman. She said she knew nothing about this stuff, but she was able to pull up the contract in my file and read it. I tried getting a phone number to the legal team or CFO but was refused.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I pulled my credit report to make sure everything was correct. When viewing all XXXX reports from XXXX, XXXX, XXXX and they are all reporting differently. Listed below is all the categories that show differently amongst all XXXX bureaus. I sent a letter informing GM Financial informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for GM Financial to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per XXXX XXXX. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER XXXX. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with GM FINANCIAL. I have always made my payments on time yet there was a XXXXdays late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
|
| 07/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This complaint is the result of numerous actions trying to get a fair solution to this issue.
There is a late payment reported in XX/XX/XXXX on the XXXX AUTO LOAN : XXXX XXXX XXXX. Account # XXXX. I am a frontline worker XXXX and essential worker. I got an extension after lease was extended. I was affected by covid-19. I was locked out of app and when I called XXXX, they told me no payments were due.
I have been through a really hard situation that has a simple solution. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). Your company has committed multiple violations of the FCRA : - Negligence - Unfair business practices - Failing to provide online access - Failing to give deferment - Failing to send late payment insertion notice My demand is to get the late payment or the entire account removed from all credit reporting agencies.
|
| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
|
| 12/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I deferred 6 payments on my car loan, and the payments that were deferred were added to the end of my original term due to mature aroundXX/XX/XXXX I am currently making my payments on those deferred payments and the new maturity date is set for XXXX/XXXX/XXXX. They are telling me i will have a balloon payment of around $ 2k still owing to interest at the end of my loan but i am paying the interest from those payments right now. There should be no balloon payment at the maturity date because they can not charge additional interest on the interest i am currently paying. When the payments are deferred the P & I payment is deferred for that time period and they are telling me that after they placed those payments at the end of my loan, they still charged me additional interest until my next payment was made which means they are charging me interest twice for the same time period
|
| 01/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made a payment using my XXXX card I tried to make a payment that I had noted to be put in, the result came back several times we could not process try again, on about 3rd time it took the payment I suggested and then it took out the entire payment and I lost my entire payday all together GM got XXXX dollars, the payment was only XXXX I tried immediately with XXXX, GM Financial to reverse my over charge, neither will, it's obvious the payment was a duplicate, I have faithfully made my payments to GM and never been late I demand my reversal today, I can not pay my other bills or buy food if they will not I can not or see any reason after GM told them to refund my over payment they will not, this is the 2nd time I have had a problem with XXXX holding a refund when clearly it was a mistake, I never got the other reversal to this day. Please contact XXXX and demand my reversal
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a payment arrangement with GM Financial to pay off the remaining balance of my XXXX lease. I paid the balance off in full XX/XX/2021. GM Financial negatively reported 30 days late for XX/XX/2021 and 60 days late of XX/XX/2021. These payments were on time. GM Financial said that there was inaccurate reporting and a discrepancy on my account. I had to send in bank statements showing proof ; even though their records indicated that I was indeed correct. As a result of the negative reports, I had another account close because my score was reduced significantly. I have worked very hard to pay off debts and repair my credit. This has impacted my ability to find and establish housing. This was not my error and it needs to be corrected and rescored. I would like the closed account to be reopened as that was contributed to this inaccurate reporting on GM Financials ' system.
|
| 04/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I mailed a check of {$1200.00} to the Lender AmeriCredit dba GMC Financial for endorsement. This Check was made payable to XXXX XXXX 1st the 2nd line was AmeriCredit. I told the Auto Insurance Adjuster to make the check payable to me. I sent the check with a letter requiring the proper endorsement, so that I could deposit this check in my bank account. This Lien Company was included in my Chapter XXXX Case XXXX XXXX XXXX XXXX Chapter XXXX trustee. The vehicle was sold at auction ( SALVAGE TITLE ) months prior and no Active Collections efforts should have been made. I'm filing a complaint with because the Lender had no right to my check after I fought with the adjuster with the Insurance Commission to make him compensate my for my loss, the car caught on fire, and was left with a vehicle. The state of Florida Shut down XXXX XXXX Auto Insurance. XXXX XXXX was the adjuster.
|
| 01/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX, I sold a vehicle ( private party ) that was financed with GM Financial. There were two checks included with the loan payoff form ( the first : {$12000.00}, and the second : {$13000.00} ). Both were cashed on XX/XX/XXXX, however only one ( {$12000.00} ) was applied to the account. I have had to contact GM Financial over a dozen times, by phone and by website chat. I have provided signed front and back copies of the check to at least 3 individuals as requested and still have no resolution. In the meantime, I am making payments on a vehicle that was sold two months ago. GM Financial seems to be in no hurry to help resolve my issue and it seems absurd that it would take this long to locate a check that was already cashed by the company. I sold the vehicle for more than I owed, so I am waiting for approximately {$2600.00} to be refunded once the check is found.
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXXand they are refusing to remove these fraudulent account as well as XXXX and I am not able to gain access to XX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
|
| 10/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
These inquires were just posted to my credit report. I contacted GM Financial for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize.
XXXX Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX Inquiries Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks
|
| 06/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American, Servicemember |
|
We were looking for a new car at XXXX XXXX GMC located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL. We never came to an agreed price for the vehicle or our trade so how could they possibly put through a loan app. not knowing how much we ; d need? Without our permission or knowledge they sent out multiple " Indirect Loan '' inquiries. We are now receiving letters of rejection from XXXX XXXX, XXXX XXXX, and XXXX knows who else 's rejection is headed here! They have messed up our credit history and the wrong information now needs to be corrected. They had no business doing this without notifying us. We have our own banks, we'd never have dealt with one of theirs. We've filed complaints with the XXXX, GMC, XXXX and now the CFPB. The sales person told us she was going to check our credit rating not apply for a {$27000.00} loan for a used car with a sticker price of {$21000.00}!!
|
| 10/11/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX/XXXX/XXXX I leased a vehicle from XXXX XXXX XXXX. The lease was financed by GM Financial. I was told that the first payment would be made by the dealership. I also was told that I had XXXX miles per year on the lease. I purchased a demo that had XXXX miles on it. GM Financial said that the XXXX miles were part of my XXXX that was allotted on the contract. Also, I was told that the dealership would pay the first payment. I received a call on XXXX/XXXX/XXXX telling me that my payment was 16 days past due. When I spoke to GM Financial they said that the first payment was due when I picked up the vehicle. None of this was told to me during the signing. My sales person pushed the Demo. The sale was on a new vehicle. He told me that the financing would be the same as if it were a new vehicle but that the payment would be less because I got a discount on the vehicle.
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Credit Bureau : XXXX, XXXX, XXXX.
Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.
The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM financial XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/11/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received a notice that XXXX XXXX XXXX received a default judgment against me through attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Phones : Business ( Fax ) : XXXX Business ( Phone ) : XXXX Case # XXXX I received a notice for interrogatories for XX/XX/XXXX. I have never received any correspondence from this attorney nor was I served for this judgment. The judgment lists an address of XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX. I have never resided at that address. My ex husband lived at that address but moved out of town in XX/XX/XXXX. I have lived at my current residence since XXXX.
I never received the required notice that an attorney was handling this debt as required by the FDCPA and was not properly served for the judgment. This attorneys practices are unlawful and unethical to represent to the court that this was done.
|
| 03/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a new truck on XX/XX/2017. The truck was in XXXX XXXX, MO. I live in XXXX XXXXXXXX. All transactions where completed with documents sent back and forth via XXXX. The dealer purchased my trade-in sight unseen. Once I had signed the contract the dealer didn't like the final results and there was conflict. The dealer didn't want my trade-in once he saw it. The dealer quit communicating with me.
Apparently a loan payment was missed. Once I was aware that a payment had been missed. I set up automatic payments online and all payments have been made as agreed to.
I asked GM Financial to remove the late payment from my credit report due to the conflict with the dealership and the lack of communication. GM Financial has refused. I believe that GM Financial is acting in an unreasonable manner and I request that the late payment be removed from my credit report.
|
| 02/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit score and credit is being denied and my score is poor due to me being held responsible for someone else 's unpaid debt. There's utility, cellular service, vehicle loan, and mortgage loan for a home I never owned or even lived in. It has to due with my partner who passed away in 2014 and he was still legally married at that time and his " wife " due to her not liking me and not wanting any of his debt has somehow gotten away with putting his debt on me. How is this legal? They were still legally married and she lives in said home and collects his social security benefits but yet my credit is the one being impacted and I'm having all of this come up on my credit report. She is the one who is legally married and she should have all of it on her credit and she's the one responsible for it not me. Please help me get all of this off my credit report. Thank you.
|
| 09/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial has reported myself as charge-off account, despite my numerous requests for negotiation and proof on the debt. This is happening during the covid19 pandemic and GM financial refuses to abide by gov't direction to work with impacted consumers.
GM Financial has reported my account 120 days late in XX/XX/2020, no prior notices or 30, 60, 90 days late process ( jumped directly to 120 days, with no notice or consumer notification to allow me time to address in correct legal fashion as per FCRA, FCCA.
GM Financial continues to violate/damage my credit standing in an attempt to force there agenda of aggressive actions, and force me to bend to there demands and tactics.
How can GM Financial continue to not follow
prescribed US govt directions during these troubled Covid19 times?? Where is the help to impacted consumers? where is the corporate humanity?
.
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
I have finance my vehicle with GM FINANCIAL for over a year almost a year and a half and have had trouble getting it reported to XXXX even though they say its being reported. I have called numerous times to GM AND XXXX only to be told an investigation will be opened to correct the matter its been almost 2 years and its still not showing even though it reports to XXXX and XXXX. This is not helping my credit when I have a car loan that Im paying on time every month and have not gotten credit for it and it looks like I dont even have a car loan with XXXX. I have offered to send my payment information my loan information and XXXX refuses to take it from me stating it has to come from GM Financial. When I reach out to them they say they have sent the information and up until now I have gotten nowhere. Please help me get my loan reported accurately on my XXXX report.
|
| 03/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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In XXXX I was happy because my loan with Gm financial was coming to an end. I contacted company asking for balance. When I check website it says. No payments are due. But a balance of XXXX was still open. Based on my payment records I have make all payments. I contacted company again asking for explanation on the balance. The company ignored my emails and never responded. I kept contacting and nothing. Finally the company decided to pick up my car, I had to pay XXXX usd to get the car back which I did the same day and they reported to credit bearau. Based on the fair credit act I am entitled to an explanation of the amount owe which Americredit / GM financial ignored. Now I am still marked negative on the credit reports all because they did not want to explain the amount owe. As today I still do not know why I had to pay XXXX more after paying my loan for 6 years.
|
| 06/29/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I have always be 2 to three payments behind with GM Finance and they always worked with me due to income up and down but I always paid and they were fine with that. on XX/XX/XXXX I noticed my car was taken called the non emergency police and they said my car was repo 'd I called GM and now it was taken over by XXXX I talked to someone before on the XX/XX/XXXX said what my intentions were to get it back to good status would make 1 payment at the end of XX/XX/XXXX and 2 in XX/XX/XXXX He said I will note that and you should be fine. Why did this happen when I called on XX/XX/XXXX they told me there was no record of it also I set up a payment and account I always use for this month and said they could not verify the bank info so it could not be processed never receaved a call about that this has been such a nightmare and now they want me to pay XXXX to get my car back
|
| 07/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
GM Financial repossessed my mother 's XXXX when there were only XXXX payments left AND my mother was in the hospital & I did n't know her financial status. It cost her XXXX ( with XXXX payday loan advances ) to retrieve the car. She is on XXXX AND she is XXXX AND XXXX. The repossession company ( XXXX ) lost the spare tire. Because of the high interest rate, the excessive fees and the repossession costs, we believe that the loan has been paid in full. Additionally, GM Financial made it extremely difficult to pay. Our bank could not transfer funds, GM Financial would not electronically debit the funds and instead forced my XXXX mother to go to the bank, then to XXXX and use XXXX XXXX. I believe that this is elder financial abuse in that GM Financial took the car when the equity was nearly complete thereby nearly XXXX their income from the loan if it were remarketed.
|
| 08/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XXXX-18 my lease with GM Financial was closed as a result of GM doing a buy back on my car because of mechanical issues. The account was paid off by GM when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from GM showing I have a {$0.00} payment and 0 payments left on my account. I called GM approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, GM reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with GM and have not recieved a response. I also contacted XXXX who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am currently rewriting my complaint with GM FINANCIAL concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete.
GM FINANCIAL claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
|
| 04/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
GM is constantly misapplying my additional principal payments. I have to call the customer service dept every month to ask that they reapply the additional principal payment i make AFTER I've made the corresponding payments due.
The last TWO loan statements indicate that GM is applying my additional principal curtailment to interest that's not yet due. This is considering I've already made the monthly payment that's due.
For example. The XXXX payment is due XX/XX/XXXX i paid it in full XX/XX/XXXX and then two days later made another payment. They constantly misapply the payment to next months interest.
I feel not only wasting mine and everyone else time but causing financial harm. Forcing me to pay more interest on a much higher balance.
I'm tired of calling GM financial every month. They need to update their systems to ensure funds are not misallocated.
|
| 03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This lease company is a fraud. The company listed on my credit report is not the company that we did business with. The company leased out a vehicle they new had damage to the parts, they refused to fix it than they received the vehicle back and they are lying and saying they did not receive the vehicle when infact they did. The company that is not listed received over {$8000.00} for a six month lease on a vehicle they received back and that was not in the contract. Now it on my credit report looking like I did the fraud when I did nothing wrong, this the fraudulent dealings of this leasing company that is not even listed on my credit report, the company listed on my credit report is not the company I had contracted with. This entire car/auto loan is not a loan it is a lease and everything listed on my credit report regarding this account is wrong, it is fraud.
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I filed XXXX XXXX bankruptcy about XXXX, XXXX XXXX XXXX, and it was discharged in XXXX. During this, I reaffirmed or in other words, kept my car loan and the bankruptcy was discharged. GM Financial now refuses to report my monthly payments to the credit bureaus, thus preventing me from searching for different refinancing options as these possible new lenders can not find a vehicle in my credit report, and GM Financial is also preventing a credit score increase as time goes on essentially attempting to trap me in a vehicle loan with no benefit to my credit score. I will work with my credit union to refinance the vehicle if a solution is not created, as I have auto financing history built with them. I have already made a complaint with XXXX, and I would have not reaffirmed on the vehicle had I known they would not be reporting my payments to the credit bureaus.
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : GM FINANCIAL {$13000.00}
|
| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
THIS COMPANY GM FINANCIAL TOOK ME TO COURT FOR {$7000.00} FOR SOME AUTO LOAN THEY ALLEGED THAT I OWED, I DENIED THIS CLAIMED WENT TO COURT TOLD THEM TO SHOW PROOF AND THE COURT DATE WAS RE SCHEDULED TO GO TO TRIAL WITH THEIR ALLEGED PROOF, THE COMPANY NEVER SHOWED UP THE DAY OF TRIAL WHEN BOTH PARTIES WERE CALLED UP TO THE STAND AND THE JUDGE SAID DISMISSED WITH PREJUDICE. I WENT BACK TO THE COURT HOUSE TO GET A COURT CERTIFIED COPY OF PROOF OF THE JUDGEMENT, SENT THAT COPY TO ALL 3 CREDIT BUREAUS WITH REPORT NUMBERS, IT WAS DELETED FROMXX/XX/XXXX, XXXX XXXX BUT STILL REMAINS ONXX/XX/XXXX, THEY HAVE TO REMOVE IT PLUS THE COMPANY GOT A COPY OF THE SAME JUDGEMENT, WHEN I CONTACTEDXX/XX/XXXXTHEY TOLD ME THEY ONLY REPORT WHAT THE COMPANY REPORTS BACK TO THEM, SO BASICALLY XX/XX/XXXXIS KEEPING THIS ACTIVE ON MY XX/XX/XXXX CREDIT REPORT BUT DELETED IT EVERY WHERE
|
| 10/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
This is our second complaint now against GM Financial. After they tricked us into repossessing it, they now won't let us make payments on it. We've been calling all summer trying to get something worked out so that we can continue making our scheduled payments. Every person we talk to says we have make payments by phone, but the phone payment system says we're not eligible. Every option they have said is available to us, they find a way to block it. We mailed a payment in, they said they never received it even though tracking shows delivered at their address. When we try to get something finalized with them on the phones because the phone option doesn't work, we get placed on hold for XXXX hours and/or they " accidently '' drop our calls. We get talked to like trash by everyone we talked to. All we want to do is make our payments and they're not letting us.
|
| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Through numerous phone calls to GM Financial, I am unable to get a copy of the contract or anything in writing from them.
My car was totaled and my last 10 payments add up to XXXX. I owe from XX/XX/XXXX to XX/XX/XXXX.
Upon attempting to pay off the car GM is trying to get {$4400.00} from my insurance company. With no explanation other than it's interest.
GM also refuses to account for over 2 years of payments in which every month I paid {$350.00} instead of {$340.00}.
Usually when you pay a car off early it's cheaper, not more expensive. Can someone please help me as GM is obviously trying to take advantage of it's consumers and refuses to communicate via email. GM will only communicate via phone and I get a different answer every time I speak with someone at GM. This time I am trying to deal with the " total loss department ''.
Respectfully, XXXX XXXX
|
| 08/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I bought a truck from XXXX XXXX. I was living in XXXX at the time so when I drove XXXX hours to pick it up all they did was have me sign one sheet of paper. that was the buyers paper work from the sales mgr.
we had agreed that they would take XXXX off the sticker price. we agreed that they would give me XXXX for my trade. so after i left the dealership it was n't until a month later when I got the papers in the mail to sign. I was making a lot of money then and did n't look them over very good. now that I have looked them over I have found lots of mistakes and I 've figured out how they screwed me on the vehicle. it is unbelievable. i want to fax yall this stuff and i would like to meet you in person to explain everything. i do n't care how far i have to drive. there are so many mistakes and lies, and forgeries that I would just have to show you in person.
|
| 03/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
GM Financial agreed to a trade of my XXXX XXXX XXXX after they were unable to replace the battery leaving me with a subpar car that was never allowed to charge to it's fullest b/c of the fire danger. After going through a process they agreed to have me trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX. The Process was fine and took place around XX/XX/XXXX. Whenever I log into my gmfinancial account, it shows my old car, and says that I am behind on payments, which doesn't make any sense. I have been caling for over a month and no one is able to figure this out. I've been told to go to the dealer, who has already been paid for the car and told me they sent in all of the paperwork. Now, I have to make car payments on a car that I don't have possession of so they don't ding my credit but I have received no assurances that my payments will go towards my new car.
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I paid off my lease agreement in XXXX of 2020 and returned my vehicle at the end of the month with no damage or excess mileage. There was a disposition fee as we did not purchase another vehicle. We never received a bill. On XX/XX/2020, through my credit monitoring application I noticed an account update of 30 days past due. In talking with the customer representative on XX/XX/2020, she showed on the current account the bill was sent, however, on our other account our address was invalid. The second lease account had the same address listed as invalid with no billing statements being sent. This transpired during the global pandemic and the account supervisor is resending me the bill and corrected both accounts, however, they are not willing to take the credit reporting off of my account. Obviously, there is an error in their system with my mailing address.
|
| 01/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We got a 0 % interest loan through GM Financial ( XXXX ) in XX/XX/XXXX. The payment is {$440.00} per month and we make a payment every Monday of {$120.00}. This put us at least 8 months ahead of the scheduled payments. I am getting red flagged on my account saying we have late payments. I have contacted them through their website repeatedly with to response. I have contacted them via phone on XX/XX/XXXX, to which they stated they would go back into my account only to XX/XX/XXXX and credit the account {$250.00}, but did not. Which is NOT a suitable solution. Since XX/XX/XXXX I have tried to call repeatedly, but can not get through and eventually the call gets dropped while I am on hold.
With a 0 % loan that I am far out ahead of the payments on, I am now in risk of them reporting this to the credit bureaus and having a negative effect on my credit score.
|
| 01/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a car loan with GM financial up until XX/XX/XXXX. On XX/XX/XXXX I traded in the car back to XXXX XXXX where I originally got it for something else. After tradeing in the car I noticed several months later that I had 2 late payments for XX/XX/XXXX and XX/XX/XXXX. I have turned in documentation several times to GM financial which includes a letter saying the dealership had the car. All I've asked was for the payment history to be updated to reflect not late because I no longer had this vehicle. On my XXXX credit report it has a closing date of XX/XX/XXXX while on my XXXX it has w closing date of XX/XX/XXXX. The last time I disputed this information GM financial added a late mark for XX/XX/XXXX on a closed account from XXXX. I called and notified them of this in which the call is recorded. All I want is the late payments to reflect on time never late.
|
| 04/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I had previously reported this company. They sent me an explanation of what they say happened. They did not include in the report that I settled with the company who got the charge off XXXX XXXX. They also admit at the end of their report that they failed to send me a 1099-c tax form as required by law. They also admit that they can not find any evidence that one was ever sent out. This account was charged off and then settled, but the company continued to report 25 charge off months to the credit bureaus instead of one. I have tried multiple times to resolve this with the company and they refuse to help me. I tried to make the account right by paying the amount owed, but because of Covid I lost my job and was only able to settle for a lower amount. After 6 plus years, you would think this XXXX dollar company would get tired of destroying peoples lives.
|
| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I filed a previous complaint against GM Financial for this exact same matter and it was closed by the CFPB. Complaint # XXXX I don't understand how a company like GM Financial is allowed to get off the hook for falsely reporting information. As of this morning, XX/XX/XXXX, my credit report now reports my last payment as being in XX/XX/2016 and reports a balance of {$0.00}. However, I recently paid my bill and according to GM Financial I still owe them in excess of {$9000.00}.
This is fraud, plain and simple, and this is affecting my credit.
GM Financial is being incompetent and I believe is intentionally being disruptive and destroying people 's credit. They have refused to discuss the matter during multiple phone calls to the company.
I will be speaking with an attorney and seeking financial restitution immediately if this matter is not resolved.
|
| 10/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
GM Financial is reporting that we were late on our vehicle loan, when we no longer owned the vehicle. We traded our XXXX GMC Acadia into XXXX XXXX XXXX on XXXX XXXX, 2015. GM Financial reported that we were 30 days late on this vehicle on XXXX XXXX, 2015, 25 days after we traded the automobile into the dealership. They claimed that they never received the first check, so the dealership overnighted them one on XXXX XXXX. I called to verify that a payoff was sent to GM Financial and the dealership claimed one was sent out on XXXX XXXX, 2015. I asked that all copies of the check be sent to me and I would contact the finance company back. I did and they still do not want to listen and correct the reporting. The check was sent to them, but they did not apply it to the account, instead disposed of the check as to retain all the refund money up in late fees.
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 Americredit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
|
| 09/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts XXXX XXXX XX/XX/19 & XX/XX/19 Americredit XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 GM financial XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report.
Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Thank you for your assistance.
Sincerely, XXXX XXXX
|
| 11/12/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
I leased a vehicle XXXX XXXX and my salesman took my down payment telling me I would n't have my first payment until XXXX since I was buying at the end of the month. I had got nothing in the mail during that time until the beginning of XXXX which is when I made my first payment. ( XXXX/XXXX/2015 ) If you look at my payment history is consistent and never late ... so I thought. My sales guy even worked that into the negotiations of leasing the truck. I thought to myself well I can save that payment and double up on the next one. I monitor my credit closely and started seeing late payments on there so I called today to find out I have been late cause my first payment was XX/XX/XXXX. Being this was an oversight by their sales team and I 've been consistently paying I thought they 'd consider removing these but they were rude and did n't. Please help
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have never been late with their company just this once. I contacted GMC financial on this matter. I sent over documentations regarding my father who was on his deathbed and he did not have insurance, and I had to literally pay all of his medical bills out of pocket. I asked if GMC could extend the date and I will pay them when my next paycheck comes. I sent over a letter from the doctor and the nurse, including his bills which is a violating from HHIPA. GMC had no remorse to the letters or my family tragedy and I feel like that was unfair because Ive never been late. This was a life or death situation either pay them and my dad dies. If GMC could just remove the late fee and stop assassinating my character to other companies that pulls my credit report. GMC are making other companies believe that I dont pay my bills on time and thats not true.
|
| 04/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I had fraudulent activity that took place on my XXXX XXXX checking account. There was an error with the payment that should have been debited on my account onXX/XX/2020, instead GM Financial processed onXX/XX/2020. I contacted GM Financial and informed them there was fraud on my checking account and that transaction needed to be reversed as my account was under investigation. I was informed that there was nothing they could do. Because the bank account option was removed from my online payment methods of choice, I was unable to set up an automatic payment forXX/XX/2020/ This has caused a late payment to affect my credit report. XXXX XXXX provided documentation stating this was not my fault and that GM Financial should remove the late payment. After reaching out to GM Financial, I was informed that the 1 late payment history could not be removed.
|
| 02/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
I leased a XXXX XXXX from XXXX XXXX ( Bankrupt ) on XX/XX/XXXX. The Lease included an Extra Wear & Tear Policy ( WSWEAR ) by XXXX of the XXXX XXXX for {$690.00}.
I returned the car on time and paid all monthly payments. Then GM Financial billed me {$620.00} for XSWEAR + Disposition Fee {$390.00} + taxes on that fee. I paid them {$570.00} because paying taxes on the Disposition Fee seemed ridiculous to me ( paying taxes on a Fee? ).
XXXX paid them directly {$230.00} for my XSWEAR so that now they got overall of {$800.00} to MY name! Thus, according the GM Financial, THEY OWE ME XXXX-XXXX = {$180.00}, and they ignore my requests to pay me that balance!!!
GM Financial are CROOKS!!! They are trying to take advantage of the fact that I am a Senior Citizen who can't afford the time and effort required to deal with such crooks!!!!!!!!!!!!!!!!!!!!
|
| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have attempted to work with GM Financial to bring my accounts current. However, I exhausted all resources that make sense. I am privied to ( 8 ) deferments through the life of the loans but have been denied. Additionally, I have gotten the run around from a collections manager for weeks. I spoke to a manager weeks ago he stated that he would assist. However, he has been spinning every time that I call up until today XX/XX/2023. He finally stated that he would not be able to assist me with any deferments.
Furthermore, I am a victim of a predatory loan. The XXXX XXXX is worth XXXX I owe GM Financial XXXX with a interest rate of XXXX. I have tried to work with GM Financial by keeping good communication and trying to work things out. At this point I feel that I need to get an attorney involved if they will not correct the wrongs immediately.
|
| 03/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I am on auto pay and pay my entire lease bill through the autopay feature directly through my checking account monthly. Each month for the past several months, GM Financial has sent me a bill for {$32.00}. Each month I call and sit on hold waiting forever to get through to the call center because they are experiencing, " Unusually high call volume. '' Each month, they tell me they're going to remove the amount. Each month, they tell me it will not happen again.
Then, the next month comes and I get a bill for {$32.00}. This is attempted theft. I have no doubt that there are people out there paying this erroneously billed amount.
This month, my bill for {$32.00} came with an additional " PAST DUE '' amount of {$380.00}.
I called again and learned I'm not past due ... that it is my vehicle 's " property tax '' and I have a year to pay it.
|
| 02/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I established a lease with XXXX XXXX. We wanted to set up ACH debit of the monthly lease payment. After a month and a half we got a collection call. I allowed them to take a payment over the phone for a fee. They promised to send out the paperwork to establish ACH, but it never arrived. Next month, same issue. This time the rep offered to call back in a couple days to set up ACH. No call. The process went on and on. I've tried multiple times to log into their online site, but it won't accept my credentials. I've never had this problem and I'm very familiar with how to use online banking and have several online sites I use regularly without problem. I'm currently sitting on hold for 21 minutes trying to speak to someone at their lease department. I'm very frustrated at their lack of help, but eagerness to charge me a fee to accept my payment.
|
| 06/05/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was involved in a car accident on XXXX XXXX 2015 and I contacted GM Finical a few day after that and spoke to the total loss department and advised them of what had happened. I recived a letter stating that they are aware of the total loss. XXXX XXXX paid GM Finical the full amount owed on the loan on XXXX XXXX 2015 and they did not process it until the XXXX XXXX 2015 and than reported to the all XXXX credit bureau that I was 30 days late and now has decreased my credit score XXXX points and I can not purchase another car until they correct it. I contacted customer service and I was told that XXXX would have to write a letter why it was late and I had XXXX fax it to them and verified that it was received and it was over two weeks ago and was told it would take up to XXXX hours to process and I contacted them today an nothing has been done.
|
| 05/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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I made a payment for {$260.00} on XX/XX/2017 to my GM Financial Auto Loan. At the time of this payment. My prinicpal and interest payoff ( excluding late fees ) was {$250.00}. According to GM Financial 's payment hierarchy, the payment ahould have been applied to principal and interest first, then any overage gets applied to late fees. GM Financial put thjs payment 100 % to late fees which is causing me to show past due for a principal balance that I should not owe. Under the fair credit reporting act, late fees are not a reportable debt. GM financial promised to rectify this issue inXX/XX/XXXXby reallocating the XX/XX/XXXXpayment to principal and interest and updating my credit report. This has yet to be done and is preventing from getting approved from credit. This is a missapproriation of funds, and GM financial needs to take care of it.
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
|
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On XX/XX/2023, I requested documents from GM FINANCIAL and I have not received a response to the request. The letter is as follows and will be attached. I am requesting information for Account Number XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment. It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. Respectfully, ( My name ) Not only this, but I need this data to formulate a dispute because it isn't reporting accurately or completely to any of the credit bureaus and I do not know who is misreporting the information.
|
| 03/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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I am constantly being harassed with letters and phone calls from GM Financial in regards to an auto loan that was cleared in a XXXX XXXX bankruptcy back in XXXX. The company has made false claims against my credit reports now reporting false information to the IRS. My XXXX XXXX bankruptcy was approved and all debt was wiped away but this company is till sending me letters and I have even informed them of the XXXX XXXX bankruptcy, but they're still sending me debt collection letters to this day.
Back in XX/XX/XXXX, I've send the company a cease to desist letter and to reach out to my attorney for any further communication and information and yet to this day XX/XX/XXXX i just received another letter from them. I'm currently working with my attorney to stop the harassment and as this is too much and wrong. Please assist with this complaint.
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| 08/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American, Servicemember |
|
I have an auto loan with GM Financial. The loan has a 15.75 % interest rate. I was approved for a refinance with XXXX XXXX for 8.6 %.
When XXXX XXXX called to confirm the payoff and transfer the lien, GM Financial told XXXX XXXX my car was a part of a bankruptcy. My personal bankruptcy closed over a year ago. I kept my family car and have continued to make the payments to GM Financial.
Today, I called GM Financial and asked to reaffirm my auto loan. I was told it is too late because my bankruptcy is closed. According to XXXX ( ID # XXXX ), reaffirmation paperwork was not sent to my attorney during the bankruptcy, even though my account indicates I intended to keep the car and make payments.
Now, I am stuck in a high interest auto loan because GM Financial gave XXXX XXXX the wrong impression about the status of my car. Help me please!
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
|
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2020, XXXX XXXX XXXX FI add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, AMERICREDIT FINANCIA add a hard inquiry on my credit report per XXXX.
On XX/XX/2020, XXXX XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor.
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 06/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
|
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GM Financial sent an invoice for lease end fees which was received by me approximately three days before it was due, and with absolutely no information regarding the rationale for the charges. I attempted multiple times to challenge this before contacting CFPB. The CFPB inquiry fortunately finally got me a response from the company. Unfortunately, the company 's delay in response resulted in over a month without resolving the issue. Before I even received the physical copy of the response from the company, they reported my account ( which was being contested by me ) as past due. The company is now refusing to remove that reporting, despite the fact that the payment was not made as a result of the company 's own delay in response. I feel they are trying to use credit reporting to strong-arm consumers into paying unsubstantiated assessments.
|
| 10/06/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I leased a XXXX XXXX from XXXX and I set up auto-pay from day one. My payments were deducting automatically every month for the first year and half then in XX/XX/2017 they stopped and reported me delinquent. I only found out after I got alerts from my credit card. I tried to understand what happened but I never got an answer to this day. I said fine and I swallowed it. Then when I returned the car at the end of the lease, everything was fine and I was told there's nothing left for me to do because I didn't want to re-lease from them. A month later I get another alert about a delinquent payment (?? ). I call and they tell me its a disposition fee. I was never informed about it nor have I received a final bill. Yet, they destroy your credit score just like that. Horrible experience, no communication at all, and I will never own a XXXX again.
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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I visited XXXX XXXX XXXX XXXX XXXX, MD on XX/XX/XXXX and I purchased a XXXX XXXX XXXX XXXX I only gave permission for my credit to be ran by one ( 1 ) creditor. I did not authorize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM Financial, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XX/XX/XXXX.
I have requested these inquiries to be deleted from my credit report. I was advised to file a complaint with your agency.
XXXX XXXX
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| 02/14/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
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I'm trying to buy my lease vehicle at end of lease. GM Financial will not give me an itemization of payoff amount so that I can obtain financing through another bank. They will only give the total payoff amount. The new bank needs itemization details about the payoff amount to finance the new loan.
I talked to XXXX on XX/XX/22 and XXXX on XX/XX/22 at GM Financial. XXXX said she was sending me the information, however, when the information arrived, there was no breakdown of the total payoff amount. I called GM Financial again and talked to XXXX. He refused to give me the payoff breakdown. He refused to give me his last name, direct number, e-mail address or any other information so that I could call back to discuss the issue with him again after talking to my bank. He kept referring me to GM Financial XXXX number if I wanted to call back.
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I have 5 lates on my credit report that shouldn't be there. I fell behind because i got XXXX in XXXX and couldn't work for 3 weeks. I contacted GM Financial about this and they were supposed to be understanding. I made my payment as soon as I was able to in XXXX and I thought i was up to date - apparently they charged me a late fee that I wasn't aware of, my account looked fine online, so I just kept making my payments. Come to find out that a late charge was on my account that hit my credit report in XXXX, XXXX, XXXX, XXXX and XXXX.
I can understand one late charge, because I truly was late in XXXX, knew I was going to be and called GM Financial for circumstances out of my control, but to have this continue to roll into several months is XXXX.
My account is paid up to date as of now, but my credit is suffering for this. It is not fair.
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After careful review of this account, I noticed multiple instances, where 99 % of the information reported by the credit bureasu are not accurate and they insist on confirming and validating the creditors inaccuracies. The high balance is being reported inaccurately with 3 different amounts. Only one credit bureaus ( XXXX ) is reporting that it has actually verified the account. Date of Last activity, date reported, date opened, balance owed, creditor type, account status, payment status, are all reporting different information. None of the agencies match on any of the data they are reporting against this account.
On XXXXXXXX XXXX and XX/XX/2022, I submitted a dispute via the online portal with all 3 Major Credit bureaus regarding GM Financial. Each result came back " verified as accurate '' by both the Creditor and the Credit Bureaus.
|
| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
GM Financial is refusing to take off incorrect information from my Credit Report.. back in XX/XX/2017 I went to court for a Car Loan that I was being sued for. I had no idea that I was listed as a co buyer for this Loan until I was served with court papers. I went to court and explained to the judge that the information was not mine and I didn't know of this until I was served the signature didn't belong to me.
I never agreed to be a co buyer for any Vehicle.
The Judge dismissed the case against me without prejudice.. I submitted disputes with all Three Credit agencies yet XXXX has refused to remove it from my report, stating that GM Financial said that the information is correct and therefore can not remove it.. I can't understand why this is possible because XXXX and XXXX has already removed the information from my Credit Report.
|
| 07/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
on XX/XX/XXXX i called gm financial to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call gm financial there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since gm took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.
|
| 07/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
My husband is currently XXXX. We turned in his XXXX XXXX lease. We did not release because of his XXXX. GM Financial is now claiming we must pay {$700.00} in lease disposition fees. I explained my husband is XXXX and asked if there was any coverage under the service members relief act. I was told there was not, I need to release a vehicle. It's physically impossible for me to drive two cars at once. I am looking for assistance in understanding the relief act and holding companies responsible for such actions as this. My husband puts his life on the line every day for our country and all GM Financial cares about is {$700.00}. We did plan on releasing when he returns home, so I asked if we could postpone charges as we did plan on a new vehicle when he got home. Any help would be greatly appreciated. GM Financial account number is XXXX.
|
| 11/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
The XXXX has not worked since XXXX of this year and has been parked. I had kept up with the overall maintenance and I didnt understand why.
I was advised to take it to the dealership as the XXXX engine was under recall.
After contacting XXXX Consumer affairs Reference no # XXXX XXXX The engine is under recall and quality to be fixed.
Understanding that to be true I took the car to the XXXX dealer XX/XX/XXXX XX/XX/XXXX the dealer contacted me and said that although its engine failure that its not covered and it was then I contacted GM financial asking them to please take the car back during a conference call with my husband. XX/XX/XXXX GM agreed to take the car back and told me that it would show as a repo. The company left the car abandoned at the dealership after agreeing to take possession and is aggressively pursuing payment.
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I provided a one time consent to pull credit on XX/XX/XXXX to GM Financial. The vehicle was delivered to the primary buyer on XX/XX/XXXX with no problems and the account opened on my credit.
In XXXX the primary buyer was told that a minimum of 3 references were now required. The buyer was forced to do so under void of contract despite already having possession of the automobile with an open account and another credit inquiry was generated.
The account was opened on XX/XX/XXXX with the primary buyer taking possession and no need for any further credit inquiries were warranted. The unauthorized inquiry on XX/XX/XXXX is self evident as an unauthorized inquiry since the account was open.
The sales person who can attest to the single credit pull and sale completion on XX/XX/XXXX is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Michigan.
|
| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I received an auto loan from GM Financial in late XXXX. I was in an accident ( only I was involved ) and because of the area of impact on the vehicle, it was declared totaled by XXXX XXXX and XXXX XXXX. I called gm financial to extend the payment date but was told I still had another 30 days before delinquent charges, plus the 7 days makes 37. I didnt know I was supposed to file a second claim with my XXXX XXXX XXXXXXXX XXXX which is now underway. XXXX paid all but the extended warranty ( that I attempted to cancel ) key and XXXX XXXX ( I have the key ). In the mean time, GM financial has charged me over the last three months and I do not think this is fair. Especially since Ive been told different things from more than one representative there and that I thought XXXX was to reach out to me. Thank you and best regards, XXXX XXXX.
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been using a credit repair service to validate debts and inaccuracies on my credit reports. I've had several inaccuracies with GM financial getting a response or getting items confirmed. The issue is they are reporting several late payments including late payments in 2021 which are false reporting. I've provided XXXX payment history to the firm representing me and GM has not verified, replied or removed the inaccuracies. They have also reported a repossession of my vehicle in XX/XX/2021 which is not at all true. I paid my vehicle off in XX/XX/2021 and have a copy of my title. Unfortunately they are reporting late payments especially in 2021 and can not or haven't verified with me or the firm I'm using. Now they have put a repossession on my credit. I am seeking for some accountability and fairness in this situation please.
|
| 09/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Good day, I received a bill for {$44.00} ( " immediately due open receipt '' ) dated XX/XX/20 from GM Financial ( acct # XXXX XXXX after completing our lease. On XX/XX/20 I called and spoke to " Teka # XXXX. '' XXXX responded that I should " ignore the bill ... It is a California thing. '' XXXX could not offer me an e-mail or any confirmation to that end. She suggested I call back in two weeks, On XX/XX/20, I received another bill for the {$44.00}. On XX/XX/20 I called GM Financial, XXXX ( PST ), and received a busy signal on the phone line.On XX/XX/20, I called and I was on hold for an hour and 10 minutes before hanging up.
On XX/XX/20 I was applying for a loan to discover that GM Financial had " dinged '' my credit report ( s ).
I am seeking to have this " ding '' removed with your help.
Greatly appreciated, XXXX XXXX XXXX
|
| 08/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I purchased on XX/XX/20 and returned on XX/XX/20. They dated my purchase papers for XX/XX/20, I picked up the check from my credit union on XX/XX/20 but ended up using their bank, but seen it was never nowhere for me to date the contract, I didnt really pay attention to. As stated, I returned the car the very next day and realized they ran my credit report XX/XX/20. They didn't have permission to do so for I came with a check. They dated my contract for XX/XX/20, three-das prior to me receiving the vehicle and then pushed the finance through XXXX XXXX on XX/XX/20 XXXX days after the vehicle was returned.
My credit report reflects that my credit was pulled on XX/XX/20 XXXX now sending me invoices stating I have a payment due and as of today, I still don't have the vehicle in my possession. The car is still at XXXX XXXX in XXXX MD.
|
| 04/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
On XX/XX/2018 I Purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. They packed GAP insurance in the contract after I advised them four times that I didn't want it. The GAP insurance was purchased through XXXX. I contacted XXXX and cancelled the coverage several days after purchasing the car.
On XX/XX/2018 I called XXXX to see where my refund was and they informed me that they sent an electronic payment/refund to XXXX XXXX XXXX on XX/XX/2018. I called the dealer that same day and I was told that they overlooked processing my refund and that they would process that refund immediately. Their accounting office said that they would send a check to GM Financial. That was almost three ago and I am being informed today by GM Financial that they haven't received a check yet from XXXX XXXX XXXX.
|
| 06/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GM Financial is reporting my account late for payments in XX/XX/2019. I have not been late on my car loan in XX/XX/2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where GM got double payments because I thought the info was incorrect and resubmitted because they stalled on debiting the payment. GM Financial needs to update my credit report immediately. I am not late for XX/XX/XXXX because it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XX/XX/XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.
|
| 03/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a vehicle through XXXX in XXXX XXXX MT the loan went through GM Financial. I had the vehicle less then a week and it was unsafe to drive. I took it in to XXXX and they could not fix it. I told them I wanted to return it and left it at the dealership. XXXX did not want to return the vehicle and GM Financial repossessed the vehicle from the dealership then they re sold it at auction and are saying I owe the rest of the money XXXX. The vehicle was a lemon and the transmission was failing I almost got into a car accident from it stopping in the middle of a busy road. I told GM financial I returned the vehicle to the dealership. I tried contacting XXXX who the credit charge is with and no one wants to help me. I returned the vehicle before 30 days and this is not my debt. I should not owe anything they sold me a unsafe vehicle.
|
| 05/14/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I paid the property tax on XX/XX/2018 according to my statement and my regular installment was paid on XX/XX/2018.
The Leasing company has been sending me bills saying that the total amount due is {$0.00} and when I contacted the billing dept on XX/XX/XXXX. I spoke with XXXX in customer service ( Finance Dept ) as per her I don't owe any payments this month.
When I asked for Clarification, The taxes were applied to the monthly installment and I don't owe them anything. But the taxes are still due, I never received any statement or letter from them saying that my taxes are pending.
When I asked them to correct this error, she said that this can not be done.
If I my taxes are due, I should get a letter from them which I never received anything.
They should at least fix my account and let me have my concise monthly statement.
|
| 11/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
On XXXX XXXX XXXX, the company placed an inquiry on my credit report with XXXX. I have requested documentation from both the company and from XXXX to support their permissible purpose in accessing my credit file. Neither has complied. The company simply sent a letter verifying that it had, in fact, accessed my file on the date mentioned. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] Paragraph a, Subsection 2 a CRA can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given specific written consent for this company to access my credit file, this inquiry should have already been removed. The refusal of the company and the CRA to do so puts both in a state of willful non-compliance with the Fair Credit Reporting Act.
|
| 12/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I had a 3-year car lease agreement with GM Financial. The lease started on XX/XX/XXXX, and ended on XX/XX/XXXX. And my account was in good standing. After I returned the car to the dealership, I got a {$1100.00} bill from GM Financial for excess wear and tear. I was shocked, then I got the inspection report, and the itemized bill. Among those items, {$640.00} is for replacing all four tires. This does NOT make sense at all. I drove this car for less than 3 years, and only had XXXX miles on it. Even the tires were worn, it's the quality issue of the car and/or tires. I don't think I'm responsible for replacing the tires. It should be normal wear and tear. I called GM Financial Customer Service the multiple times, the most recently on XX/XX/XXXX. I requested them to adjust my bill down by {$640.00}. But they denied my request.
|
| 08/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Vehicle Repossession, Proir to my Husband 's Death on XX/XX/XXXX, I XXXX XXXX Has never recived a bill of sale the account is reporting as an Charge Off on my Report Report with a Balance of $ {$8700.00}. I would like for that Account From Overview You've paid off 44 % of the original amount.
Balance {$8700.00} Highest Balance $ XXXX Monthly payment {$330.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Term 77 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX Creditor Information GM FINANCIAL XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
|
| 11/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
The vehicle I was financing through GM Financial was repossessed by the loan company in XXXX, XXXX. A payment was en route to their office via USPS at the time. The repossession happened at my apartment building, which is private property. The next document I received from GM Financial was to inform me that the vehicle had been resold and that I owed the remaining balance. I did not receive any chance beforehand to make arrangements to get my vehicle back. I also did not receive the notice of resale, which would have informed me of when and where the resale was to take place ( either public or private auction ). Prior to the repossession, GM Financial frequently called me at my place of work after I instructed them not to. They also made harrassing phonecalls several times a day if a payment was past due by only a few days.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 XXXX a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly.
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, GM FINANCIAL XXXX Open Date XX/XX/XXXX Balance : {$0.00}
|
| 04/15/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I have tried contacting GM Financial regarding an old account I had with them for a leased vehicle. I returned the car on time and they say I owe money on over milage but they never gave me a form or contract to sign stating this. I have called and tried to request this form or contract and they say they dotn have one to give me. They also refuse to close the account on my credit report which marks me late or no payment if I dont pay them over {$400.00} a month. They do not send me monthly statements and never call or email me for payment. If I owe them money for over mileage, I need a form or contract stating this and agreeing to the terms of the payment. I have asked to speak with a manager several times, and they transfer me and I stay on hold for over an hour and still no manager comes to the phone or picks up the call.
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| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, GM FINANCIAL has violated my rights. Regarding alleged accounts # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
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| 07/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My car was repossessed on XX/XX/XXXX or XX/XX/XXXX after bankruptcy was discharged on XX/XX/XXXX. The vehicle, a XXXX XXXX XXXX financed with GM Financial, was included in the Bankruptcy and the last payment I made on the vehicle was XX/XX/XXXX. I did not receive any notice that the loan reaffirmation was not approved and I did not receive any notice that my vehicle will be repossessed for amount owed before/after bankruptcy. I called GM Financial on XX/XX/XXXX to see if there is any option to get the vehicle back, but the GM representative who helped me said I have to speak with a certain center handing my account that might not be there because of the holiday. I asked for the phone number of that location in case they are not available, but she declined giving me the contact number saying I would have to leave a message.
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| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint.
These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.
XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
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| 09/16/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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|
Web |
Servicemember |
|
Today ( XXXX XXXX 2016 ) I received a bill from GM Financial for the amount of {$7400.00} due by XXXX XXXX 2016. I terminated my vehicle lease on XXXX XXXX 2016 due to a military deployment and turned it in that same day. I received an odometer disclosure statement slip from XXXX XXXX ( Customer Relations Manager for XXXX ) upon turning in my keys. I faxed proof of my XXXX to GM Financial along with the odometer disclosure statement. On XXXX XXXX 2016 I received a letter from GM Financial stating that my account has been paid in full. I also have a screenshot that I took of my GM Financial account website which also shows there is a zero {$0.00} balance owed. I checked my credit report today ( XXXX XXXX 2016 ) and on my credit report for all XXXX credit bureaus it shows the account as paid off with a zero {$0.00} balance.
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| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
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|
Web |
|
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I returned my vehicle at the end of my lease on XX/XX/23 with all lease payments up to date. On XX/XX/23 GM Financial sent me a bill for the excess wear and disposition fees upon " termination of lease ''. This means that the lease was terminated on XX/XX/23 when the vehicle was returned. At that time I disputed the wear and tear charges and was waiting for GM Financial to get back to me with a response. Instead they sent me another bill with the same charges 30 days later with no response to the dispute. They then began to report the account as 30 days past due to the Credit Bureaus which negatively impacted my credit. This additional bill at the end of the lease was not credit that was extended to me and as such should not be reported to the credit bureaus. The negative remarks should be removed from my credit report.
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| 11/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
|
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I spoke with GM/Cadillac Priority Care in regards to my Cue device several times. The Cue device is the central unit that controls, the radio, temperature, blue tooth settings, entertainment etc. The screen has been webbing ( delaminating ) for sometime now. I am not sure why not but this issue should have been under recall. Additionally, there is a lawsuit against GM in regards to this matter. I have also, reached out to GM Financial in regards to this. This issue is a factory defect. The dealership wants to charge me {$350.00} to repair. Nothing against the dealership that I go to they are amazing, but I should not have to pay for something that is a factory defect ( well known issue with these devices ). I have not been able to properly use my vehicle in moths giving the intermittent functionality of the Cue screen.
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| 10/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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My car is currently in the shop and parts were ordered on XXXX by the body shop. The parts are not available and have no ETA. I'm told it can be months more before the parts are available.
I called XXXX to find a solution XXXX weeks ago, however, they have no solution. Yesterday I received a call that the case was being referred to the Parts Delay Team. I asked why it was not initially referred there XXXX weeks ago when I called but they were not able to answer that question. The representative simply said, " Well I'm doing it now. '' In the meantime, I'm being charged monthly for my loan. In addition, I've had to pay for a month of a rental and now had to get a new car in anticipation of not having my XXXX back for months.
It isn't right that XXXX is not helping, and I'm being charged for a car I have no use of.
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| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
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My name is XXXX XXXX I purchased a vehicle on XXXX I got rushed out of the office where we made the cell at XXXX at XXXX at night everybody was closing the doors up I asked about the gap nobody told me anything I ended up getting broadside at the next morning next morning looked in my paperwork and there was no gap I called them they were no help they told me you signed the paper for no gap I said your guy pushed me out of the office told me to sign here sign there and did not explain anything or let me read anything now I am gon na be {$7000.00} under Because they did not give me the gap my vehicle was a total loss it had 22 miles on it done it and they will not help me in any way I asked him to add to gap the next morning They will not help me at all Somebody please help me my number is XXXX thank you for your time
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| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
|
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I contacted GM Financial on XX/XX/2018 to request that my payment be moved to the end of the loan for my XXXX XXXX XXXX. I spoke with a rep who said that all I had to do was pay XXXX or something like that and my request would be granted I made the payment with the rep and she said the request was approved and took care of other things I need to take care of financially. The rep called back and said my request got denied because my account was to new and I explained to her I had already used the other portion of the money for other things and had she told me while on the original phone call that my account was to new and it wouldn't be approved I would have just made the entire payment but I didn't cause she stated the request was approved and I was ok. Gm Financial reported my account as 30 days late in XX/XX/2018.
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| 09/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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This vehicle was in 3 accidents because of a defective engine part and issues that occurred 5x in less the 5 months all major engine issues. The car wont accelerate ND SHUTS OFF. i was told to leave vehicle at dealership and that GM would buy back the car yet 4 months and nothing no car no information the evade my calls. I have no car and I was paying load till last month but I cant pay for a car that I dont have and that is a danger to myself and others. Fixed 5 x and always breaks each time. Engine and transmission issues. I am paying for a car rental GM said they pay but I am stuck with the Bill I want this account removed from all credit agencys as it is a vehicle that is a lemon and the cause of 3 accidents with its shutting off. It is ruining my life and my credit cost me my home and potential future home loan.
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| 12/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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I have written letters and called each of these creditors multiple times who are reporting fraudulent inquiries and continue to report these to the credit bureaus. These request were not authorized and need to be removed but they will not assist my request.
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
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| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
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I have been doing business with GM Financial for years. I currently have four leases with them and pay them {$2600.00} per month in lease payments. I got out of a lease early and leased another GM through GM Financial. In breaking with their past practices, they only forgave 6 payments as opposed to the 8 payments that they agreed upon. In addition, they stopped billing me in XXXX of 2018. Not knowing why I owed and expecting a bill, I sent them {$500.00} per month. They just dinged my credit report with a 60-90 reporting which is totally false and they also owe me {$1900.00} - two lease payments at {$950.00} each that they agreed to waive if I continued doing business with them. I tried to resolve this issue directly with GM financial and not one of the 4 workers I spoke to could find information on this account.
|
| 08/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
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Web |
|
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I *love* my new car - a XXXX XXXX XXXX , a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan information. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : e.g. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' ) I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you. My auto loan is # XXXX
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| 05/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
Older American |
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On XXXX XXXX GM Financial repossessed my XXXX XXXX XXXX after it was paid off in Bankruptcy. After the Bankruptcy was dismissed in XXXX we received final balance of XXXX owed on the vehicle. We have never received any correspondence from GM stating that we owe any additional monies on this vehicle. After 3 years they send a repossession order to a company located in XXXX, Georgia to come at XXXX XXXX to take our car Illegally. After speaking with a representative XXXX, at GM, he stated that we still owed XXXX on the vehicle because the Bankruptcy was not dismissed they went back and assessed all of the finance charges! At the start of the bankruptcy, GM stated that we owed XXXX when tge Bankruptcy was dismissed, we had paid XXXX fir the vehicle. We owed the US Bankruptcy Court XXXX and we owed the creditor XXXX.
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I called GM Financial XX/XX/2021 to set up a payment so it wouldnt be 30 days late as of XX/XX/XXXX. I talked with someone and she verified my checking account and I took that as they would process a payment. I get a call XXXX XXXX notifying me that no payment had been made. I immediately call to see what happened and they informed me I was supposed to make the payment and that they didnt process it on XX/XX/XXXX. So I went online and paid it. I tried to speak with a representative and was told someone would call me back. I called several times and was placed on hold and nobody came or calls were never returned. It was a clear miscommunication if they listen to the tapes and I had not missed a payment in over 2years and I would like that 30 day late removed for their workers part in the miscommunication. Thank you
|
| 04/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from GM Financial stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and GM Financial is still reported that I had a balance on my loan two months after my loan was paid in full and GM Financial sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my GM Financial loan that the balance was still owing but that I was now 60 days late for bothXX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan inXX/XX/XXXX andXX/XX/XXXX. These reports are incorrect but GM Financial refuses to update their records and the 3 credit bureau 's are not updating their records either.
|
| 11/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2017 I submitted a complaint to GENERAL MOTORS FINANCIAL COMPANY, INC. with the CFPB complaint # XXXX. And they replied with a Lazy Generic response letter, that I needed to send them documentation of the account I have with them.. My complaint was not about any account I have with GENERAL MOTORS FINANCIAL COMPANY, But I was a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
|
| 07/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
We have paid overage payments during most of the loan 's history. However, the balance doesn't correctly represent the payments made. We have requested all overages to be applied to the principle. Yet, there has been no explanation as to why GM won't apply the overages to the principle. The loan contract is due to expire in XX/XX/2021. We are trying to understand why there are now 8 payments left. Each month an additional payment gets added to the loan. The car loan was a 0 % interest loan, " supposedly. '' With no interest applied, the whole payment made to the loan should go to the principle. There have been many credit reports that document an interest of approx. 2.9 %. All of our loan documents state there should be no interest applied. We have requested a full payment history, which has not been successful.
|
| 04/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I filed a complaint with CFPB and the response did not address my issue. I have sent several emails to XXXX XXXX regarding my missing payment from XXXX XXXX . I have sent over a copy of my bank statement confirming that the payment was received b y GM Financial. M y final payment should have been in XXXX XXXX , but I am still showing a balance of roughly {$1100.00}, which are late fees from the payment that they claim is missing. This payment is not missing ; it was received and processed by GM Financial o n XXXX XXXX , XXXX according to my bank statement. The responses that I am getting from XXXX XXXX have been lies ; she never had a manager reach out to me to discuss this further. The remaining amount due needs to be adjusted to reflect the fact t hat I NE VER missed a payment on this loan.
|
| 10/30/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
On XX/XX/2019 I returned my leased XXXX XXXX to XXXX XXXX in XXXX, MN. I was not asked for any information such as an updated address or anything else. On XX/XX/19 I attempted to purchase a new vehicle and received notice that GM Financial had reported me 60 days late on a payment. I then called GM Financial to ask what the payment was for and was told it was a disposition fee of {$390.00}. I then proceeded to question why I have not received any notification as in mail or email or phone calls? They had my old address of 2 years ago and I did not receive any emails either. This has dropped my score considerably and I am not eligible to obtain financing on a new vehicle. I feel there was not any legit effort in contacting me as I will pay immediately anything I owe. This needs to be removed from my credit ASAP!!
|
| 03/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
For over 9 months now i have been calling between the credit bureaus and GM financial to have my GM financial account reporting to the credit bureaus. GM financial has repeatedly told me it would be taken care of. Repeatedly i have had to inquire as to why it is not reporting still. Repeatedly i am told that one single.person in GM Financial deals with this. This is a person i can never be connected to. Supervisors at GM have been supposedly emailed repeatedly. I have left numerous voice messages. Three days in a row for eg i called the number i was given, 25 x, no answer except a vm. I have tried extensively to correct my credit and this issue has prevented me from getting a few health assisting loans i have greatly needed. I have flatly been informed if my auto loan was reporting i would have excellent credit
|
| 04/11/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
My Dad, XXXX XXXX, of XXXX XXXX, XXXX XXXX, Mi died on XX/XX/2018. He had a lease with XXXX. Within two weeks we dropped off the car at the dealership. Unfortunately, the lines were down the day the salesman tried to dock the vehicle with XXXX. He did not give me a receipt.
We didn't think anything of it because we knew the car was turned in. Then they continued charging the lease payments for several months after and have stated that my XXXX 's estate owes the remaining balance of the lease.
We have attempted to contact GM financial on many occasions to have this resolved. Every time they say " You're set '' and yet we still have this unresolved. So I am reaching out to get this taken care of. Our father has passed away, there is no reason they should not have taken care of this. Thank you for your help.
|
| 02/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XXXX account balance incorrect and contact made to the company. Was advised technical support needed to activate the account and correction would be made.
XXXX unable to access the account. No changes made. Advised still waiting for access to be made.
XXXXbalance not corrected. Advised of manager callback. No call back received.
XXXXcalled in regarding missing payments and fees still showing charged. Advised adjusted in their system but not showing on statements that I received.
XXXXadvised rep of balance not correct for car to be paid off in 2 months. Rep stated info sent to manager to review XXXX received bill showing XXXX as remaining balance due with 96 % paid of the account and 3 of 72 payments made XXXX reviewed account and showing balance now XXXX owed with 3 of 72 payments remaining and 96 % paid.
|
| 01/19/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I submitted a payment on XX/XX/XXXX via the GM Financial XXXX XXXX. I received a confirmation email for this payment. I have logged back on on about 20 times between XX/XX/XXXX and XX/XX/XXXX to pay for the next month. I get error messages every time I try to pay. I can not access my balance anywhere in the portal. When I login it says that I " missed a payment ''. This is not true. I paid my first payment on this lease on XX/XX/XXXX and do not have the ability to pay this months bill. From XX/XX/XXXX-XX/XX/XXXX I have called an estimated 15 times each day. I can not get anyone to answer the phone. Most times I get a voice recording that says they are having " System errors '' and then the phone hangs up. This is absolutely ridiculous. This is unbelievable that a company would make it this hard to pay them.
|
| 10/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called GM Financial starting the day after XXXX XXXX to let them know that I need a deferment due to being impacted by the hurricane. Called since XXXX to get my due date changed that was never done..I was approved for a deferment for the month of XXXX XXXX. However after i esigned all documents my credit report was hit with a XXXX late reporting for XXXX and XXXX. I have called GM financial every other day since XXXX XXXX. Every XXXX has lied to me promising me things would be corrected. And not XXXX management person has kept their promise it 's almost like my issue is a joke. Not only has this dropped my XXXX XXXX over XXXX points it has also impacted my ability to get a natural disaster loan to fix my house. I have begged this company to corrected it and not XXXX person has cared enough for the issue.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In regards to GM financial account number XXXX I have filed complaints with GM, XXXX and XXXX. About the account. On XX/XX/2022 all XXXX places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when GM cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All XXXX of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it
|
| 12/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I started my financial relationship with GM Financial when they were still XXXX, in 2008. I had my share of issues with the integrity of the company, but what I am most frustrated with is they are holding my title hostage. I have been paid in full for YEARS, and yet they are still unwilling to release my title. I have spent hours on the phone with their reps and I get nowhere. It is disgusting how they have made me believe on numerous occasions that my title would be on its way to me, only to find out it was never mailed out. I feel like my hands are tied which is grossly unfair - if I were to be late with my monthly payments I would incur late fees until they would eventually repossess my car. Why are n't I, the consumer, protected in the same way? I will never do business with the terrible company again.
|
| 01/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
For reasons I do not understand, my company has not been given normal account access online. Because it starts with a XXXX, I do not have an account online and go through a strange portal to make payments. This portal is extremely limited. It does not report payment history, interest paid or due, etc. It simply accepts payments. I hate it and so I have accelerated the payments to get away from GM Financial. Since I made my first accelerated payment, I am no longer able to access the portal. I have been denied access for two weeks. If I try to pay online, I have to pay a fee. But, I can't access the portal to make a payment online, coincidentally this has been the case ever since I started accelerating the payments. When I call in, they discourage me from making a payment, indicating no payment is yet due.
|
| 12/06/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My car lease was for 3 years. When I returned my car at the end of the lease the GM Inspector said he has never seen such a pristine looking car in all the 20 years he has been inspecting. I realize that there was a Disposition fee and the end of the lease thinking they would take in to consideration on how clean the car was when it was returned but when I received the bill they wanted the entire balance paid with in 2 weeks.. XXXX is 2 weeks away and I'm on a fixed budget. I pleaded with them to make payment arrangements. The balance is {$520.00}. This money was for my children 's XXXX. We are not rich and can not possible make that payment. They offered to cut it in half. Pay {$260.00} today and the remainder the following month, but added another {$10.00} fee! Who is running this company ... MR.XXXX??
|
| 01/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a vehicle loan serviced by GM Financial on or about XX/XX/XXXX and made timely payments when I had a full time job until I fell behind due to having a lower paying job. I called GM Financial in XX/XX/XXXX and advised them that I wanted to do a voluntary surrender. They asked for where the vehicle was parked and I gave them the information. They did n't ask me to return the vehicle to any location ; instead they said they were going to pick it up, which they did. Instead of reporting on my credit report that this was a voluntary surrender, GM Financial has reported that this was a repossession. All am asking is that they report accurately on my credit that this was a voluntary surrender. If they had asked me to drive the vehicle to a location and hand it over, I would have done so, but they did n't.
|
| 12/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/2018 GM Financial Incorrect Balance- {$720.00} This company is reporting an inaccurate balance.
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : The above referenced account ( s ) are unverified accounts. The account balance is being reported inaccurately. This account is showing negatively on my credit reports. The above account have adversely impacted my credit. I am requesting for this company to update information on my credit file as paid.
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| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My credit report is showing late payments to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the XXXX filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
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| 08/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Purusuant 7 CFR 1782.3 A Charge-off is a write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received. According to federal law there is no such thing as an open charge off. GM Financial states that I have an open charge off hence why they reported a charge off to my consumer report. This is in fact, false misleading information and is affecting my credit worthiness. Also, according to the IRS Publication 4681 a charge off is income which the credit reporting agencies shouldn't be reporting income to my consumer reports. I have yet to receive a 1099c for the charge off and GM Financial keeps giving the run around with deceptive and misleading information.
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| 09/23/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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On XX/XX/2016 GM Financial was sent via certified mail a formal notice of dispute regarding the allege debt owed. On XX/XX/2016 a second written notice was sent demanding they cease and desist all collection activities pending validation and verification of allege debt owe. Both notices were received by GM Financial but they continue to harass i by sending emails and mails demanding payment without strict proof of its existence.This falls under laws of fraud and swindles. This company is in violation of federal laws and committing criminal acts against i. Furthermore the company refuses to validate the debt owed but has published with the credit bureaus deceptive, misleading, false, and negative remarks. Clearly this company does not believe in complying nor abiding by any federal laws- FDCPA and FCRA.
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| 07/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Over the past few months GM Financial has not been applying payments made from my financial institution to my account and ultimately have reported inaccurate information on my credit report showing late payment history. I have never been late and it is an internal problem with their company. I have attempted to rectify this on multiple occasions with multiple people at GM Financial and they are unwilling to return phone calls to me when requesting to speak with a supervisor. I have documentation of payment history attached to this complaint. This has negatively impacted my ability to pursue a refinance on my home due to their internal error and negative reporting of payment history on my credit report. What could be so hard about looking up the last name on my check to accurately report my payments.
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| 04/09/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
Older American, Servicemember |
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On XX/XX/XXXX I leased a XX/XX/XXXX XXXX vehicle through the GM Auto Leasing process. On XX/XX/XXXX GM Auto Leasing repossessed that vehicle for no apparent reason. I twice wrote to them in search of a reason or rationale for having so abruptly removed this vehicle from my custody, in the middle of the night without my knowledge or consent. No reply has been received to date of this complaint to your agency.
I see this as a blatant violation of the XX/XX/XXXX Consumer Credit Protection Act.
All bank payments were current ; and the vehicle was duly insured. I remain at a lost for any kind of a answer to the age-old question of " Why? '' Your examination of this matter is greatly appreciated, as I am an elderly minority who has devoted his whole life to doing the right thing and living responsibly.
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| 06/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have contacted GM Financial for the 3 month in a row to ask if I could pay my payment by the XXXX of the month. It is due on the XXXX. This makes it 30 days late or more. They have agreed and state that my account would not be reported 30 days late to credit bureaus because of COVID-19 and I would be protected under the CARES ACT. I have to call in each month or file a complaint because they do not keep their word. This is impacting me trying to get a equity loan because my score keeps decreasing. It is very stressful that I have to go back and forth with this company. I have done what I was asked to do to make arrangements. I used the messenger on the GM Financial App and sent a message. I just want to not be stressed out by this and having to be stressed with COVID related health problems also.
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| 01/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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This was a lease that I entered into with GMfinancial. The agreement opened on XX/XX/XXXX and ended XX/XX/XXXX. It was a 36 month lease term that ended early. I choose to end the lease as my wife was over miles 2 months early. GM and I worked out the payments need to complete the agreement, which I paid in full. The total of {$2700.00} was paid for early termination and mileage. I opted to ground the car at the dealership that I purchased a new GM car from. Throughout the life of the lease, I had an excellent payment history.
GMFInancial is appearing on the derogatory section of my report. This should not be derogatory and be removed. This has hurt my credit score and resulted in high costs to buy another vehicle. I have been unfairly affected as a consumer by this error and should be compensated.
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| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Company explaining amount owed
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Web |
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GM Financial sent me an offer email on XXXX after I sent them a Cease and desist letter previously. Also on my credit reports they stated that I owed {$15000.00} then {$12000.00}, then {$900.00} and now its {$4000.00}. They have been stating inaccurate information on my credit reports for months. This is unacceptable. I would like this account removed immediately from all credit bureaus. I also requested these documents and none have been sent to me.
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.
9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
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| 03/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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The GM finance said that my last payment was made on XX/XX/2019. So they stated that I have not made a payment in 3 months. I have automatic deduction from my checking account. Ive paid automatically online for the last 3 years, why would it not take auto deduct the last 3 months before the lease ends. This is there online website error. Not my fault. I did not know I was not paying the car payments. No email was sent to me. Or no letter of late payment was mailed to me. I recieved phone calls but it sounded like scammers calling. They did not sound professional. So my car was repoed and I had to pay {$600.00} for the car to get it back in my care. Plus the 3 months of not paying the car loan, which I didnt know was not collected. My excellent credit is now ruined from this error on their website.
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| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
GM FINANCIAL XXXX Open Date XX/XX/2018 Balance : {$14000.00}
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| 01/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We leased a XXXX XXXXXX/XX/XXXX from XXXX XXXX XXXX in XXXX Nebraska, it was a 3 year lease. The vehicle was financed through GM Financial account number XXXX under XXXX XXXX. In XX/XX/XXXX we decided to purchase the vehicle and went through our bank, XXXX XXXX XXXX XXXX XXXX for the financing. This was completed on XX/XX/XXXX. Our GM Financial account shows it's paid in full however we have tried to get plates on the vehicle and the Nebraska DMV shows their is a lien on the account. We have contacted GM Financial several times and was told there was not a lien and they would send us a letter stating this. We received a letter ( attached ) but it only states AmeriCredit was acquired by General Motors Company. We need GM Financial to get this corrected so we are able to register this vehicle.
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My car was broken into last year and my identity was stolen, and there are fraudulent account ( s ) and inquiries reporting on my credit report. I have reached out to the companies directly and the credit bureaus to solve this issue but have received no help in doing so. I attached the police report information and a FTC report to hopefully expedite this matter. This fraudulent information being on my reports is causing harm to my reputation with credit unions and banks and it is unfair that ir has not been removed despite my efforts.
XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 GM Financial - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX - Fraudulent account showing on my credit reports
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| 03/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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After filing bankruptcy on XX/XX/XXXX, the GM Financial company sent letters statements that they were aware and I no longer need to pay. Same with XXXX XXXX however ... GM Financial, XXXX, XXXX, and XXXX refuse to put at XXXX balance or remove off my credit reports. I personally sent letters and called the burueas and they refuse to help me back in XXXX. I hired XXXX XXXX in XXXX and they didn't get results. I sent letters on XX/XX/XXXX because I found out with my Loan Officer that this inaccurate debt is effecting my opportunity to get qualified for mortgage. Plus in the letters from GM state that I no longer owe. I personally returned vehicle back to dealership in XXXX XXXX XX/XX/XXXX. Please help me clear this false amount account that I've not been responsible for for over a year now.
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| 02/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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On XXXX. XXXX, XXXX, I opened an account with GM Financial for a car loan. The payments became past due and I received a notice from a representative that the account was placed for repossession on XX/XX/XXXX. GM Financial violated federal law by repossessing and selling the vehicle associated with this account. GM financial also violated additional federal laws detailed in the attached letter.
Since that date, GM Financial sold the vehicle. I did not receive the following : Notice of Default and Right of Redemption/Right of Reinstatement ; Notice of Sale GM Financial has violated several of my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction.
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| 07/12/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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I have lease a XXXX XXXX XXXX through GM Financial on XX/XX/XXXX. I have returned the leased vehicle at the XXXX XXXX dealer at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. phone : ( XXXX ) XXXX, on XX/XX/XXXX. Despite returning the vehicle, GM Financial continued to automatically withdraw monthly payments from my bank account. The two monthly withdrawals from my bank account of {$130.00} were made on XX/XX/XXXX and XX/XX/XXXX. I have repeatedly called GM Financial services on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to try to have to improperly withdrawn funds returned to me. GM Financial indicated that I have to wait at least 90 days to receive my refund. I believe the refund should be made in a reasonable time frame as the improper withdrawals were made by mistake on the part of GM Financial.
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| 02/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
|
GM Financial Acct # XXXX XXXX XXXX XXXX 1. Havent updated credit report since XX/XX/XXXX 2. Balance shown {$1500.00} 3. Paid {$550.00} XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX = XXXX 4. GM Financial shows las payment of {$420.00} 5. Contacted GM Financial 6 times and they reported to me that they have to check each account prior to updating records.
6. No date given as to when this will happen.
7. Car is a lemon and has been undrivable for 4 years. Dealer refused to honor warranty and replace battery. Two recalls for electrical system problems and now is in XXXX dealership and will cost ~ {$2000.00} to fix.
8. Bought car with XXXX miles on it and currently has XXXX miles. This car has cost me over $ XXXX mile to own. Worst car I ever bought!
XXXX XXXX XXXX XXXX XXXX % XXXX XXXX XXXX XXXX
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| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XXXX. XXXX, 2020, AMERICREDIT add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 08/24/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
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Web |
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GM Financial does not list the amount due on the online payment system until the amount is past due. Each time I log in, it says amount due {$0.00} forcing me to memorize my car payment amount to the penny so that on the next screen I can type it in. I called to address this early on in my lease because it 's confusing and places risk on me to fat finger the wrong amount or be off by a penny and potentially get penalized for an erroneous payment. How does this make sense? Why is this their practice? It 's not helpful at all and again confusing and problematic. I have a ton of bills and sometimes I do n't have the paper bill in front of me so I have to go digging around in past confirmations to remember the amount that I am being forced to manually input. This is a set up and is not fair.
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| 08/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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|
Hope you are well.
We have had a GM loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with GM again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to GM and we owe {$0.00}. I expected GM to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist?
Regards, XXXX
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| 11/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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My husband and I bought a XXXX through gm financial ( Americredit financial services ) in XXXX XXXX. We had been able to make the payments on time up until I was forced into early XXXX in XXXX. We missed XXXX and XXXX payment. We had looked into deferment and we were shocked to find that they were going to charge up almost XXXX dollars to catch our loan up. They have not been willing to help any other way. Rather than trying to help us get our loan current, they are calling us a total of up to 10 times a day between the two of us. They are making it almost impossible to catch up our payments and I am almost afraid to carry my phone on me because they are always calling me. I would strongly advise that their collection policies and deferment policies be investigated. This is not legal.
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| 07/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I *love* my new car - a 2015 Chevy Spark XXXX a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : XXXX. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you.
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| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. On XXXX XXXX, 2019, GM FINANCIAL add a hard inquiriy on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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GM financial and XXXX XXXX XXXX.
GM account number : XXXX Complaint : I had received no notification, by mail, phone, or email. GM did not even have my phone number which is unchanged going back to 1997 or email, but sent a employee of their contract with XXXX XXXX XXXX to reposes my vehicle over a very small amount. I paid the entire amount in full of {$3000.00} the very moment I found about this mess.
Concern : The employee from XXXX XXXX XXXX frienghted my family, with us calling the XXXX county police on him- which they concurred his behavior set him up for potential criminal liability over harassment charges. I do have him on video.
My concern is over the entire way this has been handled. The individual from the car retrieval company is fortuantate I did not pursue charges.
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| 10/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was notified by the mortgage office that an old creditor GM Financial was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. GM Financial has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with XXXX and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.
|
| 10/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I bought a car thru XXXX XXXX in XXXX XXXX I had XXXX car payment late due TO THE XXXX SHUTTING DOWN FOR TWO WEEKS it was n't my fault that was out of my hands and they marked me late. Also I signed up for auto pay in XXXX of XXXX. THEY XXXX UP PAPERWORK AND DIDNT PUT IT IN FOR 3 months even though I talked to their representatives and they told me it would only take 10 days from the date they received it. It took them three months. So that is not my fault that they XXXX up but they have marked me late XXXX. So a total ofXXXX late payments which was n't my fault. I can not help if XXXX shut down and we did n't get paid on time. And its not my fault that their employees do n't put paperwork in on time. I am still paying on car and, my monthly payment comes out every XXXX of month now
|
| 12/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I recently purchased a new car. My financing is through GM Financial, XXXX XXXX XXXX, XXXX, TX XXXX. My payment due date is the XXXX of every month. I received my first statement on XXXX XXXX. I thought this might be an aberration on account of this being a new loan. However, as of Tuesday, XXXX XXXX, I have not received my XXXX statement. I called customer service and spoke to 'XXXX XXXX ' He said my statement was mailed on XXXX XXXX. However, I should have received my statement on XXXX XXXX, not have it mailed on that day. I asked him about tracking my statement by using the intelligent mail barcode on the envelope. He said they could not do it. He is wrong. This is XXXX reason why the XXXX Postal Service developed the intelligent mail barcode as per this article : XXXX XXXX XXXX
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| 01/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Back in XX/XX/2017 I finance the vehicle from GM financial and in XXXX of 2017 I was in a car accident which ended being a total loss they still continue to bill me and they knew this car was a total loss then several months after the insurance paid the vehicle off they reported I had four late payments and it didn't take my insurance that long to pay it off. In addition, I was totally unaware of they continue to bill me. Moveover, four years later GM financial continues to report on late payments though the car is paid off. I contacted and told I was totally unaware of them continuing to bill me though I did not have the vehicle and that it's hurting my credit and they said they can't do anything. This is a malicious act by GM financial the vehicle been paid of for four year now.
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| 02/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I have a loan with GM FINANCIAL. I have always made my payments on time yet the item has been repossessed. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX, XXXX, and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
|
| 04/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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After review of my credit report I discovered accounts that were open in my name without my consent. GM Financial has a car note reporting that was a result of fraud. I filed an identity theft report as recommended by the FTC and took the steps needed to report the problem and remedy it quickly. After disputing with the credit bureaus XXXX refused to block or delete this account even with the identity theft report.The same information was sent to the other bureaus and it was removed.GM Financial was made away of this problem and it still has not been resolved. Although the account is not potentially negative I do not want it on my credit report because it's inaccurate and unknown to what kind of record it will lead to in the future. Time is of essence. I want this resolved ASAP.
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| 03/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased a vehicle from XXXX XXXX in XXXX, PA. I purchased the vehicle in XX/XX/XXXX. As of XX/XX/XXXX, my lender ( GM Financial ) has not received the title on this vehicle and I have not been able to register or drive it.
I am filing this complaint because my friend XXXX XXXX bought a vehicle from this dealer in XX/XX/XXXX and never was able to license her vehicle either. She had to turn it back in to the lender and they are now showing it as a repossession on her credit. I want to be proactive in my complaint filing.
This dealership is now gone from the location and I am paying for a vehicle I can not drive.
My loan is with GM Financial Acct. # XXXX. I want to get out from under this untenable situation but do not want to end up with a repossession on my credit file.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
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On XX/XX/XXXX of 2018 GM Financial reported an outstanding balance remaining on the leased vehicle of {$190.00}. This was not noticed until i pulled my credit and they were reporting this balance because they had an invalid address in their system to send the proof of the debt to. I have paid off the balance and provided them with my correct address. I have the proof showing they were sending the statements to the invalid address that does not exist. I have contacted them several times to delete this off my credit since it has been paid off and they refuse even though i have proof showing they were sending the statements to an address that is invalid. I need this deleted off my credit report as soon as possible or i will have to seek legal action against them for their mistake.
|
| 10/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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i paid off my lease for my 2018 XXXX XXXX to GM Financial on XX/XX/XXXX. I had auto pay set up. On XX/XX/XXXX they pulled another payment of {$380.00}. On XX/XX/XXXX my wife called the help desk, she was told it would be back in my account within 10 days. On XX/XX/XXXX I called the help desk, I was told at that time it was processed Wednesday XX/XX/XXXX, I should be receiving it within a few days. On XX/XX/XXXX I called the help desk again, I was told at this time, it would need to be mailed out to me by check. It is XX/XX/XXXX. I have not received it. I work for a Bank, when we receive a payoff we terminate the auto pay. I don't understand why an additional payment was taken, and why it is taking so long to return. Also why the different stories when I call inquiring about it.
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| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I spoke with 3 different associates at GM Financial, then spoke with a manager. They informed me that they have not been reporting to the credit bureau 's since XX/XX/2020, when Covid hit and they told me even today XX/XX/2020 when I spoke to the manager that they still are not reporting. I assured them that someone is because it shows up on, my report and delinquent past 30 days for both XXXX and XX/XX/2020 with 3 different credit bureau 's.
I am in the process of trying to adjust my finances and this is affecting my score a lot. They told me that they could not call the credit bureau 's to fix the problem.
Bottom line I need it to reflect on my credit report that I am not delinquent with GM Financial and am in good standing. I have attached supporting documents as well.
|
| 08/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED GM BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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I had an auto loan through GM Financial in 2013. Unfortunately one month after I purchased the vehicle my husband was hit by another car on his way to work and the car was totalled. I was toldby my insurance company that the car was being totalled and they were sending the full payment to pay off the balance of the auto loan. GM financial marked my account as late during that time.
It is now 5 years later but this account still shows the status as " 60 days late '' on my credit report. I have attempted to dispute this information through the credit bureaus and GM Financial refuses to correct the current account status. Account status should be paid in full.
This has been negatively impacting my credit for years which is extremely unfair when I didn't even do anything wrong.
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| 10/31/2016 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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I took out a lease with GM Financial and paid the lease off in full by refinancing. I received a notice that my payments were not made. I contacted GM and they finally corrected their mistake but they had already reported this to the credit agencies. GM advised they would have this removed from all of my credit reports. They sent me a letter dated XX/XX/2016 that all the credit bureaus had been notified.
Today I received a notification from XXXX indicating I was late in my payments to GM. XXXX has corrected this and I have not received the recent report from XXXX to see if they have corrected it.
Despite repeated efforts on my part GM ignored the fact their lease had been paid and continued to notify the credit bureaus I was not paying my lease.
Please take action against GM
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| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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This is the 3rd time I have disputed a serious error with GM FINANCIAL # XXXX over a lease agreement that was satisfied and completed before the said date yet was WRITTEN OFF AND STILL reporting as late payments over a year later even though the account was PAID IN FULL and CLOSED it is not accurate. I have spoken to a financial manager and requested several times for the account to be updated properly with no response. I have no other resolution but to exercise my right to a lawsuit, I am looking to avoid this action if it can be fixed today as soon as this is complaint has reached the credit bureaus. I still have issues with a fraudulent account showing from XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
i HAVE FILE A REPORT AND AM WAITING FOR A UPDATE!
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| 06/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
|
On XX/XX/XXXX, I visited XXXX XXXX GMC dealership for the purpose of trading in my XXXX XXXX XXXX. My salesperson, informed me that my payoff for the vehicle was {$24000.00} which was incorrect. After reviewing my GM Financial Contract and talking with multiple employees at GM Financial, I discovered that GM Financial is fraudulently " overcharging ''. My first payment of {$570.00} of 75 payments- started on XX/XX/XXXX. An unknown customer service representative from GM Financial informed me that I have paid over {$18000.00}, so far.
The total price of the vehicle, according to the contract, is {$43000.00}. The Finance Charge for the vehicle ( for 75 months NOT 30 months ) is {$11000.00}. GM Financial is failing to reduce the FINANCE CHARGES for early termination of contract.
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| 08/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
GM Financial is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XX/XX/XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date.
Payments dates are as follows ( see attached doc ) : XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 XX/XX/XXXX : XX/XX/2018 I spoke with representatives with GM Financial and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by GM Financial. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the Fair Credit and Reporting Act.
|
| 10/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Deferment program for requested for XXXX and XXXX of XXXX. Contacted company via phone advised that my XXXX XXXX is not show XXXX late for XXXX and XXXX. Sent copy of credit report to company showing account was marked late. XXXX has still not fixed the issue. Also had instant messaging convo requesting new due date in XXXX that was never done. XXXX XXXX who researched the issue is still incorrect. You are not supposed to report XXXX as late if they late payment was done in XXXX. My credit report is currently showing XXXX payments XXXX late which includes XXXX and XXXX XXXX. If your going to hide behind truthful then report it truthful and learn how to send a professional letter to a customer. For account XXXX. Regardless of anything XXXX and XXXX should not be marked as late.
|
| 08/27/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/15 Car Accident. Had Issues With Insurance Company. Contacted XXXX Filed A Complaint Insurance Took A Few Months Although Claim Was Paid. The Original Amount Wasn't Paid Due To GM FINANCIAL Repossession Of The Vehicle. However, I Kept In Contact With GM FINANCIAL Regarding The Situation. I WAS NOT NOTIFIED BY GM FINANCIAL THAT THEY HAD TAKEN POSSESSION OF THE VEHICLE. I Have Supporting Documents That The Claim Was Paid & The Only Reason GM FINANCIAL Did Not Receive The Original Amount Is Due To The Information That They Reported To The Insurance Company. Therefore, Claim Should Have Been Paid In Full Through Insurance & GAP.
With That Being Said, GM FINANCIAL Brought On A Debt Which I DO NOT OWE. If The Insurance Company Rectified The Situation So Should GM FINANCIAL.
|
| 04/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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GM Financial last reported my car payment as past due in XX/XX/2017, and in the 5 months since have not updated my credit standing to any of the bureaus. I am not past due, and am in fact making my payments early. After calling GM Financial multiple times regarding this issue, they've informed me that due to a system update in late XX/XX/XXXX they were unable to correct the problem. This has affected my credit negatively, as it a ) shows I have been past due since XX/XX/2017b ) I haven't made a payment since that time c ) I have a high debt balance as a result.
GM Financial has refused to make amends and fix their mistakes time and time again. They've reported me as past due multiple times in the past simply because they forgot to update my account once payment was received.
|
| 03/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
|
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1. Gm Financial is reporting to credit Bureaus that they gave me a loan. When in fact it was a retail installment agreement. Which are two different things. GM financial has never given me any money.
2. GM financial did not follow illinois laws when repoing the vehicle. They must contact me 3 days after in writing about my options. I was contacted 14 days after.
3. GM financial stated they sold the car in a private sale on XX/XX/23. However the car has not been sold.
4. GM Financial stated they sold the car in a private sale but they are charging me auction fees.
5. Once GM financial violated Illinois laws post repo this was automatically considered a wrongful repossession.
6. Reporting inaccurate information to credit agencies is violating my rights under the fcra.
|
| 01/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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I currently have an auto lone with the company GM Financial, and even though I am slightly behind, I make my payments and even after making a payment, I will receive in excess of 6 or more phone calls a day sometimes more from them. I receive calls as early as XXXX on some occasions, on Sundays, later at night sometimes. It 's relentless harassment and I 'm less than a month behind! They really crossed the line when I found out they have been calling my ex girlfriends fathers ' home line with which I never listed him or his phone number as a reference so how they got it, and why they are calling it leaving me messages there is beyond me. This relentless consumer harassment is uncalled for and needs to end. They call from many numbers, but the most common are XXXX, and XXXX.
|
| 10/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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On XX/XX/2018 I disputed an account with XXXX and submitted documentation showing that the account was paid in full and settled on XX/XX/2018. On XX/XX/2018 the account came back from GM Financial reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing GM financial showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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On XX/XX/2022 I contacted company to make an over the payment. I made payment but company representative never submitted it. Company ( GM Financial ) later reported missing payment on my Credit report. I called company to fix inquire about problem and was told by representative that it was not my mistake and transferred to customer service. XXXX XXXX at customer service ) told me he was going to help me, that he needed to talk to his supervisor and that he would call me back. When I asked him for written proof that payment was made on time, he refused to provide it. Missing payment is still on my XXXX credit report and my credit score dropped 133 its because of this neglectful incorrect repor.
I've never had any late payments with GM Financial or any of it's affiliates.
|
| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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GM Financial was given a copy of the attached Police report, my drivers license etc. along with a request to investigate and remove the inquiries that were created by them on all 3 bureaus from some one attempting to purchase a car in my name. I have a fraud alert on my bureau and thankfully no car was purchased. However, this company shopped my info all over the place resulting in a dramatic drop in my XXXX score from too many inquires. I have asked them to remove them. They send me the generic response back they were shopping credit for me. No they weren't I have told them I was never at XXXX XXXX XXXX, never applied for credit etc. So, they are not willing to accept this and remove these inquires. I had 84 inquiries between the 3 bureaus in a 2 day period. XXXX!!!!!
|
| 12/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
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I went to the dealer, looking for a car ; I explained to the salesperson I was not working ; I just got a job, and he explained nothing to worry about. I was in the middle of a separation, and my vulnerable state made me believe in the right chooice. I never have the contract agreement or XXXX pages attached to this letter. I gave my XXXX savings when I found out the price was overcharge fees I disagreed with were added to the contract. I reached the dealer and claimed there was nothing he could do SINCE I could not understand why they gave me a loan when I barely could make money. I called GM last week, and the agent claimed GM couldn't release the credit application, which I believed was fabricated, for the sales since they never asked me for my tax or income records.
|
| 10/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Older American |
|
I applied in XXXX for auto pay two GMC financial on my online app. I have done this several times with several leases. To my display, they never put in the auto pay. Their system mustve had a glitch because on my end, it said I was enrolled in auto pay so now they gave me two months of saying I did not pay I was aware at the time it was coming out of my checking account because I was enrolled in auto pay when I talk to the customer service in XXXX they told me I had to fill out a paperwork to do auto pay. This is completely untrue and the very next day miraculously my auto pay on my app was dignified. GM did not take responsibility for their mistake, and now my credit has gone down XXXX score this needs to be fixed ASAP and GM is to be responsible for their negligence.
|
| 12/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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On XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. I was forced to place a down payment of XXXX on this car. This is in direct violation of 15 U.S. code 1662 ( b ) mixing cash with consumer credit transactions. Furthermore I was made to have on own car insurance on the car which is in direct violation of 15 U.S. Code 1605 ( c ) Finance charge defined and what is all included. At this point I want to rescind this contract under 15 US Code 1635 right to rescind rescission & 15 U.S. Code 1635 ( b ) right to rescind and keep property. I would like my down payment back XXXX, the cost for the insurance XXXX. All violations are fined at XXXX per violation and all car payments need to be refunded. I also want the title to my car sent to me. They have fraud in this contract.
|
| 04/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX, I purchase and new XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX of XXXX XXXX, Ca. The price of the vehicles was {$39000.00}, I make and down payments of {$5000.00} XX/XX/XXXX and a payment of {$5000.00} XX/XX/XXXX, on XX/XX/XXXX, GM Financial of XXXX XXXX XXXX XXXX, Texas XXXX Stated that the vehicle was under a vehicle lease 39 Months, on XX/XX/XXXX, GM Financial repossessed the vehicle stating default Motor vehicle lease Agreement., I informed GM Financial that had made monthly payments Of {$400.00} for ( 39 ) months and that I have never sign and with GFM Because the lease application was denied by the dealership and GFM On XXXX Ive presented GMF with poof letter of lease denial dated XX/XX/XXXX, and the lease and payment account is Fraudulent.
|
| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
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I recently sent GM Financial a Notice of Violation of 1006.6 Communications in connection with debt collection. They insistently send me emails at the most inconvenient times ; I am a very busy, hard-working woman and need not be disturbed with payment reminders between the hours of XXXX. GM Financial have sent 5 emails concerning payment reminders and payment status after XXXX and before XXXX.
I sent them this Notice, attachments of the 5 emails sent from GM accounts receivable department, and attachment of my invoice for each email I am requesting {$1000.00} per violation a total of {$5000.00} plus 7 % tax rate totaling {$5300.00}.
Please look into this matter since my consumer rights have been directly violated and I feel harassed with these payment reminders.
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
On XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, GA XXXX for XXXX the vehicle was later voluntary repossessed and subsequently sold. I was never notified about the price of the vehicle which was later charged off. I requested several times for sell date and sell amount. I later have several different balances that I was informed that I am currently being charged for with not detailed legal amount. Those amounts are XXXX and a initial amount of XXXX which I know is incorrect. I would like for you to remove this incorrect data which has impeding me from obtaining any credit for erroneous information which was never provided to me in accordance FCRA, and FATA. Thank you and please update and correct and remove.
thank you XXXX XXXX.
|
| 03/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me.
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
|
| 11/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I traded my car in on XX/XX/2018 at XXXX XXXX in XXXX ga they accepted the trade which is documented on my contract on XX/XX/2018 my payment for the traded in vehicle was due on XX/XX/2018 ( 13 ) days after i traded in the vehicle on XX/XX/2018 a late payment was recorded on me and my cosigners credit even though i had no ownership of the vehicle from XX/XX/2018 i have called the owner of the loan they say i have to get a paper from dealership i call the dealership was told they would get the document a week later i went to dealership because of no response and was informed they would get document but i may or may not help another few days go by nothing i have filled complaint with XXXX also reviewed on XXXX and now am in process of doing direct dispute with bureaus
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XXXX XXXX, 2019, GM FINANCIAL add a hard inquiry on my credit reports.
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports.
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 07/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid my account off in full in late XXXX/early XXXX. I have been paitent in waiting for my credit report to be updated however after 3 requests and nearly 5 months they are still reporting that I have an outstanding balance and have are 60 days past due which was no longer accurate in XXXX. My Credit is now being damaged by their lies and I need it corrected.
I called the company 3 times and made a request in the chat but after being on hold over over an hour was told that they wouldnt talk to me. I need this corrected ASAP. If they are doing this to me a paid in full FORMER customer who will never utilize their services again and will discourage anyone I know who looks at them as well, I can only imagine what they are doing to those who were effected by COVID.
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello, In XXXX of 2021 I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1.
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also?
XXXX XXXX XXXX - XX/XX/XXXX AMERICREDIT XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX
|
| 11/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I am ask to pay a loan that has already bee paid in full the Fair Debt Collections Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) not state that such consumer owes any debt GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
GM FINANCIAL, is in violation of XXXX XXXX XXXX ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
|
| 03/29/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I received an 'end of lease ' termination bill, as our lease had gone the full 36 months. I paid a payment towards the {$530.00} which I mailed back to GM financial in the paper statement that i received in XX/XX/2020.
I never received any other bill or updated information regarding this bill ( no statement, call, email, text, etc ), regarding the balance. Unfortunately I was never informed ( per statement : or email, etc ), that this was all due at 1 time.
GM financial insists that they dont do that as it is a final bill, and " oh well, '' from there CSR I spoke to today.
Credit now shows delinquent and has hurt my credit immensely. I paid the balance off immediately once I saw my credit score drop @ XXXX points.
I am asking for a reverse in this delinquency?
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
GM is reporting inaccurate information to credit bureaus. Based on documents from GM they are in violation of the FCRA for reporting inaccurate information on my file. After numerous disputes with the bureaus. Contacting GM about the situation both refuse to follow the law set forth in FCRA. GM has verified false information but more unethically updated its mistakes based on the documents of proof I provided to the credit bureaus during my dispute process. They continue to report the charge-off amount falsely. The amount that was charged off is XXXX as provided in documents provided to me from GM Financial. No matter how times I have provided this information to the bureaus they allow GM to verify a totally different amount which is the definition of inaccurate.
|
| 06/26/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
Servicemember |
|
When I attempted to turn the vehicle in at the local XXXX XXXX at the end of the lease, I was told that I needed to make an appointment to have the vehicle inspected before surrendering the vehicle. I made several appointments and missed time at work showing up to appointments and told that the inspector was not there. A few months after I turned the vehicle in and told the dealership, I could not afford to keep taking off work for this. They did not inspect the vehicle until a few days later. I was charged for additional lease payments that I did not incur due to several inspection appointments that GM Financial missed. When I surrendered the vehicle I asked for paperwork that I dropped it off and the condition and was told that their computer system was down.
|
| 05/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased a used vehicle in XXXX through GM Financial. This was XXXX XXXX XXXX. I made the first 4months on time if not early. I then got into an accident before the 5 payment was due. The auto policy through XXXX XXXX at the time totaled the vehicle and they took the vehicle. My Gap insurance that was puchases with the vehicle paid the remaining balance. GM financial then tried to collect an amount from me that they forgot to apply to the intrest after the vehical was paid off. I then reported the to the XXXX and the found them at fault as they had to remove it from my credit report on all 3 bureau. Years later approximately around XX/XX/XXXX they started to report to the 3 bureaus again as i tried to call them. And they refuse to fix it. Please look into it
|
| 03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a car fro GM Financial and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late
|
| 02/08/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My daughter and I have a auto lease with GM. We have had the lease since XX/XX/XXXX. We have made every payment via direct debit from checking out each month. My daughter was alerted in XX/XX/XXXX that we were reported as 120 days late which is not correct. I attempted to call GM onXX/XX/XXXXto straighten this out. I was told they had a system change in XXXX that caused reporting problems such as mine. I was assured someone would return my call on XX/XX/XXXX. They also told me on the phone that system said i missed 8 payments but she could see that i was current. No one called me on XX/XX/XXXX. I submitted two other online complaints and called again onXX/XX/XXXXand I was supposed to receive a follow up call but I have not received any further correspondence.
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
We've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy...
GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
|
| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was leasing a vehicle, and I turned the vehicle in early. They wanted me to pay a early termination fee in addition to the money I paid to cover the remaining payments of the lease. I paid the remaining lease payments, and they said I could pay the fee later so I did. They listed a late payment for a month I no longer was leasing. I was never late always on time and was given permission to make the fee payment at a later date. I called GM financial and they told me they dont see late payments on their end that they never reported a late payment however its on my credit report. In addition it does not show that it is closed it shows as a current account. Its on my XXXX credit report and possibly XXXX. Please help. I am trying to eventually remortgage my home.
|
| 02/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I paid the car off on XX/XX/2018, the finance company was GM Financial, There was an overpayment of about $ 130+ I got a letter from GM Financial stating the loan was paid off and I got a payoff letter along with the paid contract, but NO refund check, they said I would get that latter before 30 days. They say they mailed it out at the 30 day mark, but over a week later I still do not have my refund. If I am late with my payments, they charge me a 30 day late fee, and they submit my error on my credit report. I called and asked why I do not have my refund and was told it can take 2 weeks in the mail, I can not see why this takes that long, I dont believe they mailed the check, and if they did, it only takes about 3 business days at the most. This is ridicules.
|
| 08/03/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
have a new car lease thru GM Financial Making payments to account number XXXX. Monthly payments are {$220.00}. I make payments from my XXXX XXXX checking account. on XXXX XXXX 2017 a payment came through for {$22000.00} and was received by GM Financing but not credited to my account. It appears to me the decimal point was placed in error. I called the bank to stop payment but it was too late. I then called GM Financing to get the over payment returned to me. I seem to get the run-around from these people for two months. My last call to GM Financial was today ; I was pit on hold for 30 minutes and never talked with anyone.
It seems like they think they can keep the money.
hard to believe GM would do something like this.
I simply want my over payment {$22000.00}
|
| 01/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I currently have a loan with GM Financial, and had noticed that my credit report was not reflecting a payment made since XX/XX/2018. I had contacted GM Financial and was informed that it was a system error and this would be resolved by the end of XX/XX/2018. The problem was resolved for a few months, but now shows that a payment has not been paid to my account since XX/XX/2018. I have asked GM Financial, on several separate occasions, to look into this and get it resolved, as I am unable to refinance my vehicle or even utilize my credit because this is affecting not only my credit score, but also my payment history reported to the credit bureaus. Almost a year and a half later, GM Financial is still not reporting any payments that I have made to my account.
|
| 04/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have 2 open paid perfect GM Financial auto leases. Gm Financial has not reported my payment history on the accounts since XX/XX/2017. They inform me they stopped because they went to a new record keeping system and because of technical problems they quit reporting to the credit bureaus. My score went from XXXX to XXXX as a result. I'm in the process of trying to secure a mortgage. Obviously my interest rate is being negatively affected. XXXX says their system records the lack of repOrting as a serious delinquency. Gm Financial was absolutely no help and XXXX wasn't much help either. I don't understand how GM Financial can do this. I have talked to several other people who are experiencing the same treatment as I am. Any help wI 'll be deeply appreciated.
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am exercising my right under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, Credit Reporting Resource Guidelines. I am DEMANDING you remove this item immediately. GM Financial, account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all LEGAL REMEDIES at my disposal Accounts must be deleted for the following reasons : Credit Reporting Resource Guide XXXX -Accounts which are reporting inaccurate information, Charged Off accounts reporting a positive balance.
-Accounts which are reporting inaccurate information, Charged Off accounts reporting a Past Due Balance -Accounts which are not reporting monthly, Failed to report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of the year XXXX
|
| 10/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Finaced a lease vehicle from GM Financial on XX/XX/XXXX and returned the lease vehicle at the end of the lease on XX/XX/XXXX to XXXX XXXX dealership. All payments has been made per the contract I signed. Contract has ended and all payments was made in full per contract.Gm financial is reporting to the credit bureaus that I have a remaining balance on my account, but all payments has been make per the contract.Gm financial states the balance is for wear and tear and over mileage which I have disupted several times. I also contacted an attorney that stated wear and tear and mileage at the end of a lease could not be considered a part of the contract. only payments not made during the lease contract can be considered as a balance owed at the end of the lease.
|
| 11/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I am a victim of identity theft and around XX/XX/2019 my GM Financial auto loan was reporting the wrong amount owed to XXXX as well XXXX therefore an inquiry was initiated to have it corrected. The following month my auto loan account was completely erased.
Instead both XXXX and XXXX has deleted my account completely affecting my credit score and report. I have contacted GM Financial in regards to assisting both bureaus on reporting the right info to no avail it haven't been fixed. A representative from GM Financial told me that my account should be reporting to all 3 major XXXX, XXXX and XXXX correctly after XX/XX/2019. I know that XXXX and XXXX has had my credit accounts mixed in the past and has had a " mixed profile '' after my Identity theft.
|
| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I contacted XXXX XXXX because there are 7 hard inquiries on my credit report that I am not familiar with. I asked them to investigate this matter and they did not attempt to do so. Instead they told me to contact these companies the inquiries are based out of and do it myself. The inquiries include XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Americredit and XXXX XXXX. They will all likely not be able to verify my correct information so I was hoping someone could get these inquiries removed from my credit report as soon as possible as it is damaging to my credit.
My Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, OH XXXX My contact phone is XXXX My Social Security and Birthdate are XXXX XX/XX/XXXX
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account with GM Financial was transfered to a third party to be settled. The settlement was paid off at the beginning of XXXX but the company is not reporting to my credit only GM Financial. We are in the process of buying a house and the credit bureau is asking for a letter from GM Financial stating that the account was transferred to XXXX XXXX which is the settlement company. Ive spoken to 4 different people at GM and all of them told me they can not give me that letter because they do not have a template set up for something like that. One of those 4 people even hung up on me when I was trying to get information. We are trying to get this done before my realtor has to run my credit again for the third time and dropping it more than it has already.
|
| 07/25/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
GM Financial is the Lessor of my XXXX XXXX XXXX VIN # XXXX and lease account # XXXX. This Lessor does not make PAYOFF information available to the consumer/Lessee. THERE MUST BE SOME KIND OF DISCLOSURE REQUIREMENT SO THE CONSUMER CAN KNOW WHAT THEIR BALANCE AND REMAINING FINANCIAL RESPONSIBILITY IS!
There is NOTHING AVAILABLE ONLINE GM Financial website ), nor in the phone APP. Also, when you call customer service, an automated attendant instructs you to go online and use chat. When you go online and use chat, the agent tells you to go call the customer service number. Round and round. How can it be allowed to block this information from the consumer?? This is game playing, and I believe information that is unlawfully being hidden from the consumer.
|
| 06/02/2015 |
No |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
XXXX XXXX called me on XXXX/XXXX/2015 collecting for GM financial I explained to them the the account with GM financial was over the statue of limitations for collection XXXX XXXX explained to me to send them a validation letter and she would send the file back to GM Financial. I received the letter from the company on XXXX XXXX,2015 and sent a validation of account to XXXX in the meantime they inquired on my credit with all XXXX bureaus on XXXX XXXX,2015 after I spoke to them over the phone and put them on notice when I called them XXXX XXXX, 2015 to confront them they told me that GM financial gives them authorization to pull my credit. I did not authorize XXXX to pull my credit and GM financial account is null and void due to statute of limitations.
|
| 03/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I have a loan with GMFNANCIAL XXXX Balance $ XXXXThis was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
|
| 10/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
My original complaint, XXXX, was about not getting loan information on time to make the 1st payment and GM Financial not responding to my calls. Today I finally received the information from GM Financial, I bought the new truck on XX/XX/2020, and it shows me being a month late already. I sent the 1st payment to the dealer as instructed and my check has cleared my bank. I called GM Financial customer service as soon as I received the letter and all they will say is they don't have it and I must find out how it was sent, when it was sent. This is all information they and the dealer, XXXX XXXX XXXX in XXXX XXXX FL have, not me. As before they have not returned a call to me concerning this problem. Also, I have heard nothing about the first complaint.
|
| 09/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
A letter was sent XX/XX/2022 to GM Financial informing them they are furnishing inaccurate an incorrect information to the consumer reporting agencies and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information have damaged my livelihood.
The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate!
By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting this account as a debt is inaccurate.
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name.
Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I had a XXXX XXXX XXXX car financed from GM FINANCIAL in XXXX. Actuall car financed amount was XXXX received from GM FINANCIAL. Until now i have paid almost XXXX $ from this amount GM FINANCIAL. but GM FINANCIAL took XXXX $ as interest and they treansferred only XXXX $ for car. they are charging me 18.00 % APR. monthly XXXX as interest, and i requested one letter they are not providing that letter. when i requested pay off it was showing again the actuall fiannce amount like XXXX the dealer and GM FINANCIAL are cheating me. not provinding the requested letters and tried to reposition my car once aswell. when i ever iam sending one email to send the information they are telling in 10 emails that they will not discuss through email. i dont know why?.
|
| 02/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022 I have reviewed my credit report and noticed some inaccurate and erroneous information. GM FINANCIAL is currently reporting a repossession along with late payments on my consumer report. According to 15 USC 1666b there is a billing error violation which there is no such thing as a late payment, 15 USC 1681s-2 and 15 USC 1681 have been violated. GM FINANCIAL are reporting Deceptive information on my credit report knowingly and willfully ( 15 usc 1681n ). This Information that this is reporting is damaging my consumer report and holding me back from financially providing for my new born daughter and family. Im trying to buy a house but got denied because of this negative, erroneous, and deceptive information reporting.
ACCOUNT # XXXX
|
| 12/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I was a with GMFNANCIAL customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XX/XX/2017 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
|
| 12/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Received an email today, Saturday XXXX/XXXX/XXXX ( Holiday Weekend ), that my car payment is due in 5 days but also that the online pay and phone pay systems have been shut down for maintenance and will not be opening up back up until after my bill is due. I also probably wo n't be able to mail in on time because of holiday schedule, unless I pay extra for expedited shipping, plus I already threw out my bill because I always pay online through a 1-time ACH. This seems like a very underhanded move to get people charged late fees and to put blemishes on their record. I 'm shocked that this could even be allowed. I have paid on time/early on every payment since the loan started. This is completely ridiculous that a financial company can act this way.
|
| 01/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Hello, On XX/XX/2020, I have taken a lease from GM financial and since the day 1 I am having trouble setup autopay. The error message keeps coming, saying invalid lease account number. I have called numerous times with GM, but they seem like they are not fixing it. As a result, every month, I have to pay with their external vendor XXXX XXXX and they are charging late fees with processing fees. Today, I Paid additional {$300.00} for late payments. This is absolutely unacceptable and they do not care to fix this issue on the website. Why should I pay extra {$300.00} late fees? I even tried to setup auto payment, which has been failed. I was told by the customer service, they are fixing it, but never happened.
XXXX Account Number XXXX XXXX ID XXXX
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction.
GM FINANCIAL XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
|
| 01/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit reports.
On XX/XX/2019, XX/XX/XXXXXXXX XXXX add a hard inquiry on my credit reports.
On XX/XX/2019, AMERICREDIT add a hard inquiry on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 08/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
My car was repossessed on XX/XX/2017 after missing one payment. I was currently making payments when this company repossessed my car. They sold the car for auction on XX/XX/XXXXXXXX this was after my payday but they demanded my entire check, XXXX dollars. I was due to XXXX on the XX/XX/XXXX, so I asked for an extension but they didnt extend and took my car. I XXXX and they sold the car which was bought XX/XX/2017 brand new for XXXX XXXX and left me a XXXX balance and didnt notify me and are charging me thousands in interest which I dont believe is fair. They also did not send me notice that they were selling my vehicle, I found out on my credit report. This companys name is GM financial and they are scamming military members out of their money.
|
| 05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Acct # XXXX Our lease was up in XX/XX/XXXX. In beginning of XX/XX/XXXX GM Financial is stating account current and payments made in XX/XX/XXXX and XX/XX/XXXX then behind and trying to forward the account to XX/XX/XXXX. Also a payment in XX/XX/XXXX sometime. Then charging it off this past month. Date should be when account ended/last payment. Disputed it and nothings changed. I have proof of lease termination/turn in. They should have to show proof of payments in order to up the fall off date 4YRS. XXXX should know better.
Per XXXX own site- The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determinewhen the late payment information is deletedfrom your credit report.
|
| 10/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, TX GM Financial XXXX, TX XX/XX/19 Car Inquiry with XXXX XXXX XX/XX/19 Loan Sent back XX/XX/19 Loan Declined XX/XX/19 Dealership wants me to sign new paperwork XX/XX/19 Told Dealership They can take car back XXXX Told Dealership I dont wont to proceed, offered different monthly payments & to pickup vehicle XX/XX/19 Contacted via text by Dealership & that they wanted to Pickup truck ; Told Dealership I was out the country would return truck upon arrival.
XX/XX/19 Hard Inquiry On Credit via GMF XX/XX/19 Contacted GMF about a unauthorized inquiry XX/XX/19 Vehicle Returned To Dealership & Contacted GMF to Not Proceed with Funding.
XX/XX/19 Receive notification Inquiry on credit of a New Auto Loan funded w/o my Authorization.
|
| 06/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/2023 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by XXXX companies whose name follows : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
|
| 04/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
GM Financial is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/2018.
GM Financials attorney Contacted me when I was attempting to settle said that GM advised me to call them and she gave me their number : XXXX.
I called them and they told me an outside agency named XXXX is collecting on the debt now. Their number is XXXX - GM account number XXXX.
I called that company On XX/XX/2018 I settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX balance.
Now they won't return my calls and GM is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Gm account went into charge off in XXXX and the account should have been closed that year. instead they closed account on XX/XX/XXXX .and there was no activity on the account for 4 years. all of sudden XXXX Gm reported 30 days late on my credit report for 56 months to present, which is wrong.
the account in now payed and i have a 1099-c .and GM now change my credit report to 56 charge offs every month .which once again is wrong.
this account should have been closed in XXXX with the charge off even with account closed and payed GM still uo to XX/XX/XXXX reported on my credit report negetive info.
Gm account # XXXX. i would like this account cleared up pay and close from XXXX and 55 of teh charge offs removed starting from XXXXXXXX .thanks.
|
| 11/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I, the creditworthy consumer and living XXXX man, was denied credit by GM FINANCIAL when I applied for Auto Financing from XXXX XXXX in XXXX, TX on the XXXX of XXXX in the XXXX year of our XXXX.
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. GM FINANCIAL is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by GM FINANCIAL with the response I received. GM FINANCIAL is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002.7 because I, the creditworthy consumer and living XXXX man, made an application in good faith, however credit was not issued.
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 06/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired XX/XX/XXXX GM Financial ( 2 Times ) inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXXp inquired XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...
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| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate
|
| 03/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid my lease off and was told that I would receive an invoice for going over on mileage or any repairs. Once I received that invoice, I paid it within the following week. I then noticed that the last payment was reported to my credit as a late payment. I have reached out to the many times now and they have confirmed that it was never late and that the late payment would be removed. They then would send me a letter stating that it was never late. That was XXXX and I have reached out to them multiple times to let them know that it was still there and they have done nothing. Now today, I was told that GM Financial has advised the bureaus not to accept the letter that THEY sent me stating that I have never had a late payment on the account.
|
| 07/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I purchased a new vehicle from XXXX XXXX XXXX dealership at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Mo XXXX on XX/XX/2022. I questioned the interest rate I was given at 6.4 %, which is high. I qualified for the 1.9 % rate that they advertised due to my credit score and circumstances. I contacted Gm financial and they advised me to contact the dealer. I did and went back in and signed a new legal contract at 1.9 %. I wanted to know my payoff and recently found out the dealership per Gm financial never sent them the revised contract to the lender. I believe that I was not offered the 1.9 % from the beginning because of XXXX discrimination and after I signed a new contract they still did not send it to Gm financial. This is illegal and unethical.
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
On XXXX XX/XX/XXXX GM Financial created an unauthorized credit entry on my credit reports. After noticing the inquiry, I sent them a certified letter on XXXX XX/XX/XXXX requesting they remove this unauthorized inquiry. The company did not provide me with a document that I singed stating I gave them authorization to run my credit. They sent me a letter on XXXX XX/XX/XXXX stating another company gave them authorization and still did not provide me with a document bearing my signature or authorization. I sent GM another certified letter to give them another chance to have the inquiry removed on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.
|
| 08/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 12/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX , XXXX .
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I sent a cease and desist letter for no further contact about a debt owed on XX/XX/2019 via certified mail. The card was signed by an employee upon return to me to notify of it's receipt. XXXX XXXX XXXX in turn did not provide me a letter after about proving debt to the address I had requested IF debt was valid. All credit reports state no debt is owed and no derogatory marks are listed. I had informed them in my letter that if they contact me again that I will file a complaint with the Federal Trade Commission and all calls will be screened. At XX/XX/2019 they had contacted me again. They were informed of recorded calls again ( via XXXX XXXX XXXX ) and disconnected.
|
| 11/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have auto pay with GM Financial. I had the money taken out of my account, but they put the money back in my account. I had fraud done in my account and I had money taken out that was unjustified. GM told me that my payment was made on their site, so I never went to make the payment after. I then straightened out the fraud charges on my XXXX XXXX checking account, but GM Financial still gave me a late payment. Im not sure why I got the late payment and I was not notified that the payment didnt go through. I just want the late payment forgiven. I got autopay to avoid late payments. Im not sure why the site told me I paid when my payment was collected and then added back into my account. It seems like a computer problem on their part.
|
| 09/06/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
At the start of this loan I had a call to my place of employment. My job has two telephone numbers. They are XXXX and XXXX. Not sure which one they are calling. However I requested that GM Financial only contact me on my cell phone. That request was honored until I was late paying. So far I have told GM Financial three times to stop calling me at my job but yet they keep calling. They call on my cell phone I answer and tell them that I cant talk because Im at work. We disconnect and then they call my work telephone number.
The collection practices they are utilizing is very time consuming and distracting for me at my place of employment. Its causing anxiety/panic attacks. If they continue I won't be able to maintain my employment.
|
| 10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have always paid my account on time every month thru the website that the company provided and i receive notice that they receive the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company and talking to them about removing the late pays as a courtesy after explaining the situation because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
|
| 06/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XX/XX/2017, I went to XXXX XXXX to purchase a car. I had a open check from XXXX XXXX XXXX XXXX for {$30000.00}. However, the finance guy asked if he could get me more money for a lower interest rate. I filled out an application for XXXX XXXX only and asked that be the only bank my credit be ran. The finance guy came bank an told me a ridiculous amount and I purchase XXXX XXXX XXXX with my bank check.
About two weeks later, I started receiving letters from about 9 banks why I was denied credit. When I took my car for regular maintenance I asked why they ran my credit for all these other banks and he could not answer only apologized. I never gave XXXX permission to run my credit for 9 different banks and messed up my credit.
|
| 08/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... GM FINANCIAL XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 07/30/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
GM Financial is reporting a much higher balance than what was owed. They apparently sold my vehicle for much less than it was worth, however, i will never actually know what they sold it for because they have, on many occasions refused to send me a complete accounting of what i owe and why. This company is still reporting to the credit bureaus, XXXX, XXXX, and XXXX, a very large amount that i have offered to pay less for but as they have refused several times to send me a complete and accurate accounting of what is owed along with proof of what the car sold for and proof of the tow charges. I would like this large amount removed from my credit because they have refused to send me an itemized accounting or proof of what is owed.
|
| 07/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I have been trying to get a break for the deferment from GM regarding my loan. I have asked to pay with out any documentation which the collection agents in XXXX say they dont need to send. The reason why is I am questioning the amount that they are charging for a two month deferment. Another issue is that on my last complaint. I am was tired of paying fees to pay my car note. There response was a basic cut and paste, pay by ACH which has been disabled due to an bank hacking issue earlier in the year. I have been making the payments with my debit card and getting no where getting the restriction lifted on my account. I have provided GM with information regarding the issue and still no resolve, they just want the fees charged.
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I've been a loyal customer with GM financial for years.
Upon reviewing my XXXX, XXXX, and XXXX credit reports, I observed a missed monthly payment in XX/XX/2022 is listed as a missed payment.
In XX/XX/2022, I was out of work due to having a medical procedure. I was home recovering which led to financial hardship during this time. Ive had great experience with GM Financial and my goal is to maintain the relationship weve built over the past few years.
My account history indicates that the past due balance was paid as well as the resulting late fee approximately 15 days later. Further, I have since made timely monthly payments and my account remains in good standing. I realized I made a mistake in falling behind 31 days.
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports.
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.
On XX/XX/2020, AMERICREDIT add a hard inquiry on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.
|
| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial has consistently reported my account as late ( 30 and 60 days ) late. I have NEVER been late 30 days or more with GM Financial. I looked at my payment history on XX/XX/XXXX and verified this. I have tried to rectify this with GM Financial and they delete the trade line, only insert it back on my credit repots again with new 30 day lates.
XXXX also is not any help. Every time that I submit a complaint to the CFPB, XXXX states that they can't respond to the complaint because it involves something that we previously litigated. Which is not true.
XXXX also refuses to allow me to dispute the trade line with GM Financial. They give no reason why, they just refuse to allow me to dispute the inaccurate information.
|
| 12/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Today. XX/XX/2022, I contacted GM Financial to make a payment on my new vehicle loan. The past due balance was more than it should have been. I reached out to a customer advocate to pay a payment of {$540.00} online. I just paid over {$900.00} on XX/XX/XXXX to become current. They did not correct the amount that was past due, and ignored my request. They went straight to asking me when I could pay.
Also, today I addressed my concern with the negative effects with marking late on every month, which was not correct, on my credit, which I have paid and made payment arrangements. I was also ignored for my request to fix my credit report. GM has completely destroyed my credit and my ability to refinance or trade in my vehicle.
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022, I logged into my closed XXXX XXXX credit card account. I checked my credit score and noticed that a fraudulent auto loan was on my XXXX credit report from GM Financial. I then contacted XXXX to report the fraudulent loan, then contacted GM Financial to report the fraudulent loan.
On XX/XX/2022, I receive a letter from XXXX stating that the investigation results are " verified as accurate and updated. '' On XX/XX/XXXX, I filed a dispute with XXXX regarding the results received from XX/XX/2022 letter mentioned in above paragraph.
On XX/XX/XXXX, I mailed a letter to GM Financial 's Credit Fraud Department, requesting that they remove this loan from my name and absolve me of any responsibility for this loan.
|
| 04/29/2020 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
|
| 01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GM FINANCIAL is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. GM FINANCIAL is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!!
I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from GM FINANCIAL or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.
|
| 01/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American, Servicemember |
|
I sent documents to Dealer for XXXX XXXX refund. GM Financial has yet to receive Check from Gap insurance. The longer they wait the less the refund will be. I believe this being done intentionally, because when I bought the car a headrest was missing, and I was told it would be replaced in writing, which I signed. When I got home that was the only document missing. I called them and was told to come back multiple times, no headrest on promising, they would replace, or purchase another one. Never happened. The Associate who handled both, Gap, and XXXX is XXXX XXXX XXXXXXXX XXXX 7XXXX XXXX XXXX ext XXXX, fax XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never, or was late since I've purchased this car
|
| 07/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid the loan off early after getting news of a possible layoff at work. The day before the pay off check cleared ( not able to pay online, through app or phone ) my auto payment went through. I called them and was told a check was going to be cut on XXXX, XXXX 2020. When the check did not arrive I contacted them and was told the check was mailed on XX/XX/2020. We verified the address and was told they would check with a manager. I have since contacted them many times and I get the same answer. I need the refund, I did get payed off and on unemployment.
In addition to the full refund amount Id like interest at the same rate of the original loan and late penalties as also outlined in the original contract Please help
|
| 07/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I submitted a covid-19 deferral through GM Financial of XXXX XXXX Texas. They stated that my XX/XX/XXXX and XX/XX/XXXX payment would be deferred and my next payment would be due onXX/XX/XXXX. They immediately reported me as late. I disputed this information through XXXX and they corrected it around the first of XX/XX/XXXX and immediately reported me as late for XX/XX/XXXX. I disputed again and they updated XX/XX/XXXX and reported me late for XX/XX/XXXX even though my XX/XX/XXXX payment isn't due yet.
The representative on the phone stated that they had messed up and she would transfer me to a supervisor to get this corrected and the supervisor tried to transfer me again instead of addressing my concerns.
|
| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Gm financial, and XXXX XXXX XXXX are no longer my responsibility after divorce XX/XX/2021 and I continue to get derogatory marks that reduce my credit score and make my ability to get housing, credit or auto loans approved. My credit is poorly effected by accounts that I am not legally responsible for and have no access to information about. I'm being penalized for the behavior of an ex spouse and it is entirely out of my control and should not be legally allowed to poorly reflect on my own credit history. I have tried without success to get the accounts to stop posting negative things to my credit, have tried to plead for my ex to resolve the issues from his end and have sent disputes through credit reporting agencies
|
| 12/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In the beginning of XXXX of 2018 I sold my XXXX which was leased through gm financial. The vehicle was paid in full and I had a XXXX balance on the account. On the XXXX of XXXX they took an additional {$340.00}. I called gm financial and they said it was an error and I would receive a check in the mail. The said they would discontinue the payments being taken out of my account. I never received a check. Now again on the XXXX of XXXX of 2018 they took another payment for {$340.00}. They are taking my money now without my authorization. Please help me get my money back this is fraudulent what they are doing. I have other bills that Im unable to pay because they take the money out of my account without any authorization.
|
| 06/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
Hello My name is XXXX XXXX. I have a lease with GM Financial account # XXXX.
I have add several issues with GM Finacial reporting incorrect information during this lease. Now that I am towards the end of my lease and will not be getting another car with GM Financial due to them reporting inaccurate information and delayed responds on issues.
-Currently they have my credit reflecting that I have Two Cars in my Name with them which caused me to be denied finance a home and a early trade in option.
I only have 1 car which is a XXXX XXXX opened XX/XX/XXXX balance {$3600.00} -I recieved an alert that a new lease was open in my name as of XX/XX/XXXX This is unexecptable i have not open any new credit with GM Financial .
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates I am disputing will be between XXXX XXXX of XXXX
|
| 08/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial reported on yesterday that my account was 30 days late. I have never received a call or letter that my account was 30 days late. When I log on to my account it shows that my account is one day late and I have already made arrangements for this payment. This is the second time that my account has been reported past due 30 days and it wasn't. Also, the amount that tI owe and the balance they are reporting is not correct. It has never been correct. GM Finance is not being fair and is violating the Fair Credit Reporting Act. They are not updating my credit report accurately and timely. This impacts me negatively. I have never received written correspondence saying that my account was past due 30 days.
|
| 08/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I requested copies of the original contract with the original creditor in a dispute letter to GM Financial on XXXX XXXX 2015. I also requested a copy the repossession of a vehicle connected to the account, the bill of sale for the repossessed vehicle, verification the sale amount had been applied to the account and an accounting for all payments and charges assessed to the account. The creditor has failed to provide the verification that proves the validity of the account they have listed on my credit reports. They have not even acknowledged my request. Per the Fair Credit Reporting Act if verification can not be provided upon request then the account is supposed to be deleted from the consumers credit reports.
|
| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
My mortgage is through XXXX XXXX and in 2019 we ran into some trouble because we switched our bank accounts and had set up automatic withdraws unfortunately there was an error and we were never notified of the first 30 day which then developed into several because we had to pay catch up once we found out what was happening and as you can see we never ran into problems with our mortgage payment before and this also happened on an auto with the same bank and same set up. We have since been on time with our mortgage payments for the last year and I would like the lates removed from our credit because it is bringing our scores down. The dates are XXXX. The report should only show the last 12 months. Please help.
|
| 01/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I discovered that GM Financial had been re-inserted into my XXXX credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Also I have recently disputed AGAIN on the other credit files XX/XX/XXXX, that the balance being reported is incorrect, instead of fixing the balance gm has reported 7 late payments and balance is the same as it was 1 year ago. We have gotten a deferment on the auto loan, paid the interest on the loan, and payment was never deferred. Ive been disputing with them for over a year now and they still have not corrected the problem, and they are not allowed to re-insert without notifying me.
|
| 04/01/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
So I go to pay my bill on XX/XX/2020. I look on the website and says the {$310.00} payment is due XX/XX/2020. I thought wow GM is giving me a month, how nice of them, so being diligent, I chatted on site and confirmed it. Then being more diligent I messaged via text customer service cause their phone lines werent taking calling, and it was confirmed a second time. Then today I get an email saying Im late. I looked and I owe XXXX.. I called and was told sorry we made a mistake. Dont worry, well waive the late fees.
I dont have that money anymore, I bought things to stock up on that Im afraid I wont be able to find. They wont budge. They effed up, and wont help. Heartless.
I have screen shots if this error
|
| 04/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Servicemember |
|
I bought a van in XXXX while on XXXX XXXX in XX/XX/XXXX. I XXXX in XX/XX/XXXX and moved to XXXX. InXX/XX/XXXX, I had the van refinanced to assist in a home loan approval. GM Financial ( the original finance company ) sent XXXX XXXX XXXX ( the refinance company ) a " release of lien '' letter, but never sent the title. XXXX XXXX was able to refinance it somehow, but this time, they need the title, and GM Financial won't send them a copy. I even tried going through the XXXX Department of Licensing, however they never received anything from XXXX either. XXXX NEVER generated a paper title, I NEVER received a paper title, and XXXX XXXX XXXX has NO WAY to transfer the title to XXXX ... without a paper title.
|
| 09/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XXXX of 2019 I traded my leased vehicle in early for a new lease at XXXX XXXX of XXXX, Mo. months later it showed up on mine and my husbands credit scores that we were 2 months late on payments as we had a joint account. We spoke to the manager at XXXX XXXX and all he said was sorry they salesman you had never filed the paperwork to transfer the loan so it looks as though you were late on the payments?! He said he couldnt fix it!!!! This is the only negative thing on my credit in several years, I would like it removed as it inaccurate and I am not personally responsible for it! Also the vehicle we traded the lease in for went through GM as well so they can see the date of return on the previous lease!!!
|
| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
I reached out to GM Financial because I have been noticing that my account wasnt showing up in my credit reports showing my on time payments s to help increase my score. I asked the representative, why wasnt it being reported and she told me at first the do report every thirty day to credit bureau. Not until when I asked the question, if they ONLY report accounts that are thirty days past due to the credit bureau. The representative can back and corrected the information she gave me prior, stating that they ONLY reported delinquent accounts and the account once it has been paid and closed. I then proceeded to tell her that doesnt help my credit at all but merely hurts it once closed it will drop my score.
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have paid my account ahead of time and made addtional payments, on XX/XX/XXXX I made a ontime payment and it was processed, the company due to the covid XXXX processed the payment late and reported me XXXX payments behind. I have sent them certified mail and they do not respond to any requests I have made they only will send text messages. This is gross error and should not be reported late on there failure to process the payment. I am formally requesting my credit report to show current and no late payments for the month of XXXX or beyond. The payment was not greater than 30 days and was overpayments have been made throughout the course of the loan. Gm financial is practicing illegal reporting tactics.
|
| 02/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I took this loan out with americredit financial thru the car dealer XXXX in XXXX, pa. The loan was taken over by GM financial. I made my payments. When the loan was drawing to a close, they said i owed twice as much as what was actually due on my car. I questioned this when the loan was transferred from one company to the other, and no one would respond. Towards the end of my loan, I was also involved in a XXXX situation, that, given the amount they said I still owed on this loan, there was no way i could continue to pay it. The person i was involved with hacked my checking account and ran my account negative XXXX dollars. I had no choice at that time but to let them reposses my car enlight of everything.
|
| 11/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
I signed papers for a car from XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Indiana, but I never picked the car up.
I never paid the down payment.
I never Registered the car.
I never got the car insured.
I never drove the car off the lot.
I let my sales agent know that I no longer wanted the car ( XXXX XXXX ).
GM Financial is requesting to pick up the car ( that I don't have ) which I voluntarily surrendered and informed them that the car is still at the dealership.
The dealership is saying that the car is not there and they do not know where their car is.
GM Financial and I both have been trying to contact the dealership regarding the wear about of the vehicle and they are saying it is not there.
|
| 11/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XX/XX/2018 I spoke to a representative at GM financial and was told on their recorded line that I would be able to give the vehicle back and get it back after a month or two and continue the payments since I was going through a difficult time financially. When I called back asking about the letter I received after the car was returned stating the vehicle would be auctioned off I was informed that I was lied to by the previous representative and that unless I had the past due balance plus the repossession fee or the total loan amount I wouldn't be able to get my car back. Now I am stuck with a repossession on my credit. I submitted a complaint to the company about the situation but was never contacted.
|
| 09/22/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from GM Financial. I cant say this more emphatically, I have never had a GM Financial account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
As stated and confirmed in the attached emails from GM Financial, five of my scheduled monthly lease payments were deferred and approved as follow : - XX/XX/2020 & XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 It is to my total surprise that I found out that only 3 of those payments were in fact deferred, even though we have written notices confirming deferments. 2 of those approved deferment ended being reported as late payments. I of course made the payments the second I realized my account was reported as late. GM Financial recognized their mistake but refuses to correct the error with the credit bureaus.
|
| 01/10/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
I had a lease with GM financial which I extended for 6 months. I was able to lease a new car in XXXX, 2018 so I returned the car on the existing lease in XX/XX/2018. However the dealer, XXXX XXXX XXXX in XXXX, MA did not process the transaction to close the original lease so GM contacted me regarding the status of the lease. I informed GM on XX/XX/18 that I returned the car to the dealer and had entered into a new lease which GM does have that information. However, GM has not reached out to the dealer to complete the transaction to close the lease. Rather GM continues to harass me with telephone calls and letters. I have tried on several attempts to resolve this with GM but can not resolve the problem.
|
| 05/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear CFPB, I checked on my XXXX credit report and account breakdown on XXXX and it shows I have 6 hard inquiries, 3 of them that come from the same product ( car lease ). 2 of them are from GM Financial ( made with 3 days of difference ) and the 3rd one comes from XXXX XXXX XXXX the dealer from which I leased my current car ).
I'm kindly asking for them to reconsider these hard inquiries since 2 of them were done on the same day ( XX/XX/XXXX ) and then on the XXXX they made another one. In the end I got my car lease approved, but I think it should only take 1 hard inquiry for that, not 3. Therefore, I consider it unfair to have 2 additional inquiries on something I actually ended up getting approved.
|
| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
i have never been late on any accounts. i have set up auto pay since the beginning of the lease. Gm financial was completely not reporting the month of XX/XX/XXXX, marked XXXX, XXXX XXXX XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XXXX, XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, my name is XXXX, and I'm writing to ask for your assistance in contacting this company. I attempted to get in touch with them to inquire about the circumstances behind the creation of a new account in my name. It is unfortunate that this issue is now harming my credit record since it is a really severe subject. I feel terrible about it. I do not give anybody permission to use my name, date of birth, or any other information about me since doing so violates both data privacy and the law. They have to determine who really started the account in my name and then provide those details to that individual rather than transferring them to me. Could you perhaps assist me in finding a solution to this?
|
| 04/13/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
In XXXX, XXXX I had hail damage to my car. The insurance adjuster made the check out to me and GM Financial. I unknowingly endorsed the check and deposited it. The bank put the deposit on hold until XXXX/XXXX/XXXX. Ill be XXXX XXXX XXXX. Since that time, XX/XX/XXXX, I have spoke with personnel at XXXX XXXX XXXX, they need a waiver signed by GM Financial to release the funds, since I am no longer indebted to them. I spoke with customer service, they told me they wouldnt sign anything and to sue the bank. I sent a registered letter with the waiver I needed signed to XXXX XXXX, VP and chief financial officer on XX/XX/XXXX. The letter was received but I have not had a response. The amount was {$3300.00}.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Today, I am writing this complaint to GM FINANCIAL regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
|
| 02/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Dear AmeriCredit, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( AmeriCredit ) are " requiring '' a cash down payment. Is it true AmeriCredit asking for a cash down payment? I am demanding that Ameri Credit provide verification of XXXX XXXX, XXXX, statements that Ameri Credit are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
|
| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
GM FINANCIAL ACCOUNT NUMBER XXXX I was hospitalized due to covid on XXXX XXXX.
on XX/XX/2021 i called Gm financial to notify them of my hospitalization and ask for an extension or forbearance for the upcoming XXXX payment which was due between XX/XX/XXXX and XXXX XXXX i was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. on XX/XX/XXXX following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone.
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score.
I would like the 3- day late deleted from my credit report
|
| 03/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid.
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX XXXX and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report.
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
|
| 12/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I let my boyfriend make a payment from my acct for his vehicle and due to his bankruptcy following month he cancellwd his payment arraignment with GM financial and turned the car over to GM. GM didnt cancel the payment and day they took car they withdrew pmnt from my acct which only money that comes into acct is my federal XXXX pmnt and daughters money. I tried speaking with them they refused to return and my bank tried to refuse payment when it occurred but couldnt. Ive tried to discuss with them but they tell me i have no relation to acct and hang up on me yet they withdrew funds from my acct that has only my XXXX dsposit. Very rude unable to discuss with them. Told me bring my BF to court then?!
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a vehicle leased through GM financial. I had a bill credit listed on bills on or around XX/XX/2017, through XX/XX/2017 and my car was repossessed on XX/XX/2017. When I reached out to the company I told them the bill showed a credit repeatedly, offered to send it, they simply stated no. I offered to pay the balance due to use the car for the last 6 months, no. I sent them the bill, I sent the credit bureau the bill, and both have rejected this and still say the outstanding is valid and true. I have been given zero evidence of this validity. Most recently I found this original bill and submitted it for review. STILL I am told I owe this debt and it has negatively been impacting me for 4 years.
|
| 12/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to dispute inaccurate information on my credit report related to the account with XXXX, account number XXXX, which was opened on XX/XX/2018, with a current balance of {$0.00}. It has come to my attention that the payment status and late markings for this account are inaccurately reported. I want to emphasize that I have never been late with XXXX XXXX, and upon discovering the reporting error, I contacted the company directly. They acknowledged the mistake and agreed to update the information accordingly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). XXXX XXXX.
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Americredit pulled my credit without authorization on XX/XX/2020. As a result there is a hard inquiry on my XXXX credit report negatively impacting my credit score, which will remain there for two years unless they provide a " deletion letter ''. The company was contacted by phone when the issue was discovered. I was told they had no record of accessing the credit report and agreed to provide the letter of deletion. The letter was never received. Several follow up attempts, including an email sent on XX/XX/2020 have been disregarded. I have no other recourse or way to remove this inquiry from my credit report. Only they can rectify their error and they refuse to do so resulting in my hardship.
|
| 03/06/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have some late fees, that I'm well aware of, and am paying extra back on each monthly payment to catch up.
GM Financial is the company, and they call EVERY DAY/ALL DAY to remind me that I owe them money, regardless of how many times I told them what days/times I work.
I have clocked off of work so many times to answer their call to tell them that I am at work - when I'm off - and to call me then.
However, since they call EVERY DAY, all hours, I decided to stop answering their calls and just maintain my account through the online service, as I was before any debt occured.
I just want them to STOP calling. I know I owe money, hence why I'm paying extra every month, sometimes TWICE a month.
|
| 11/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I had purchased a vehicle earlier in 2016. I traded in the vehicle later in the year. The company with whom I conducted the trade with made a very big mistake with the pay out and did not put the proper VIN number to the payout check. Months had passed before the mistake was caught and all the while the company with whom I was receiving the vehicle loan was marking me for non-payment, while i was already paying on the newer vehicle. They reported my account as a delinquent account. When the mistake was finally caught and the payout became successful it was clear that the reason for the delinquent account was of no fault of my own but caused from a human error coming from the car sales company.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXXXXXX Date opened : XX/XX/2018 Balance : {$0.00}. Please delete.
|
| 10/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American, Servicemember |
|
I was having problems balancing my checking acct. at XXXX XXXXXXXX XXXX.
I went to XXXX XXXXXXXX XXXX for help. the XXXX XXXX XXXX finance audit team, investigated my checking acct.
that investigation, resulted in GM fin. received two [ 2 ] checks from me. only posted one [ 1 ] to my acct. at GM fin.
both of my checks were $ XXXX.the XXXX XXXX XXXXXXXX team , that found the fraudulent {$380.00} charge, advised me, not to make up for the {$380.00} they took from my checking acct. but did not post to my acct. at GM fin.
I currently am receiving, 6 to 8 phone calls from GM fin. phone # XXXX.
any asst. that your agency might render, would be appreciated.
thanking you in advance XXXX XXXX
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial is reporting erroneous lates on my credit file. They are reporting lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lates all through out XXXX. During this time i was affected by COVID an was un able to make full payments. I called and try to make partials payments but the representative refused to take my payments. I was trying to get back on track and give GM the little bit i had but again they refused to work with me. I am very disappointed that even during a hard time and while we were all in a global pandemic they weren't willing to help. I would like these lates to be removed from my credit file. I was not late, i tried to make my payments but they refused to work with me!
|
| 07/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
So the vehicle went up for repossession. i asked for a payment plan and had hardship with loss of employment with XXXX XXXX XXXX i was hired on with XXXX now long right after but by this time i was never notified of the repo. then the car was reposessed, so i said okay fine. well then never got a letter until after it sold from auction the vehicle loan balance on my credit report is showing inaccurate. GM financial is not reporting the correct balance owed. they are reporting {$17000.00} and it should be around {$7000.00} since they claimed they sold the XXXX XXXX at auction. they have violated 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies
|
| 11/16/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Our vehicle was reposed by GM Financial after we traded it into a dealer ship for a new vehicle. Before we could get the vehicle back it was sold at auction. The account was turned into a Charge off on our credit that shows we owe a balance and a payment each month, it was then given to a third party to collect the remaining balance. A judgement was then filed for this vehicle.
My credit is now being hit twice each month, once for the Charge off with the balance and payment reflecting each month and the judgement showing a balance each month.
We are paying our payment arrangements with the third party as we can no longer make a payment to GM Financial as they gave our loan to a third party.
|
| 11/03/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
GM Financial reflected fraudulently reflected 60 days late payments on customer car payment account. GM Financial received payment from XXXX Bank on XXXX XXXX with the wrong address as stated by XXXX Bank. GM Financial would not produce evidence that they did not receive car payments for XXXX XXXX and XXXX XXXX. XXXX bank stated that the XXXX XXXX and the XXXX XXXX car payments also had the wrong address on them. XXXX bank mailed out the car payments to GM Financial. GM Financial refused to provide me proof that they did n't receive the XXXX XXXX and XXXX XXXX car payment. I am requesting that GM Financial produce copies of these XXXX electronic checks and the date that they received payment.
|
| 09/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX with my ex XXXX XXXXI was the co signer. We broke up and XXXX refused to give me the car back .He feel behind on the loan payments. I called gm financial to explain what happened and how I wanted to get my name off the loan or request that XXXX surrender the vehicle to me so that I could keep the vehicle and stay current they told me there is nothing can be done. .XXXX did a voluntary repo with out my consent and I was not notified. I had to request the repo detail and thats when I was sent them .Gm financial refused to help me and now this has negatively impacted my Credit and I had to pay taxes thru the irs on a vehicle I didnt even have the option of keeping
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
|
| 10/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from GM FINANCIAL I cant say this more emphatically, I have never had a GM FINANCIAL account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
|
| 12/26/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I turned in my vehicle on XX/XX/XXXX. I had Billpay set up for auto payments and accidently paid an additional {$500.00}. I contacted GM Financial by phone and email on XXXX/XXXX/XXXX, XX/XX/XXXX &XX/XX/XXXX. I provided a copy of my bank statement showing the overpayment. Since then customer service has given me a different story including that I had to wait for car to be auctioned, checked for overmileage ( turned in XXXX short of miles I paid for ), and then I would have to wait 90 days. The possible damage ( which there was n't any ) has nothing to do with the fact that I fulfilled my lease contract and overpaid {$500.00}. I am getting a different story each time I call customer service.
|
| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. your company refused to provide all information such as who the original creditor is as requested on my debt validation letter. your company refused to completely remove your business from my private consumer report. Your company also unlawfully reposed my vehicle without any merits whatsoever as I am the original creditor according to the XXXX.
This has caused me defamation of character, severe XXXX XXXXXXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
GM FINANCIAL XXXX Balance Owed : {$0.00} ; GM FINANCIAL XXXX Balance Owed : {$4500.00}
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account from GM Financial had been reporting in a charge off status and shows 57 reports on XXXX before updated as settled with XXXX balance on XXXX and XXXX. This account had been charged off and allegedly had a deficiency balance however, GM Financial never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.
|
| 03/08/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
GM Financial Leasing, XXXX. XXXX XXXX, XXXX, TX, XXXX, phone number ( XXXX ) XXXX was paid off in full for what we owed under account no. XXXX for a lease on a new XXXX XXXX. They were paid in full because the car was totaled in an accident. They were owed {$17000.00} and they were paid {$20000.00}, and they were supposed to refund {$3100.00} to us. They were paid about XX/XX/2019, and said they requested that a check be sent to us for {$3100.00}. But when we did not receive the check, we called and we were told that there would be a 30 to 60 day delay in sending the check to us. They could give us no good reason for such a delay. We would like to have prompt payment of what they owe us.
|
| 02/08/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Older American |
|
On XX/XX/XXXX, after signing a contract to purchase a XXXX XXXX XXXX for {$38000.00} at a XXXX dealership, I decided to cancel it, after which the dealership started shutting down before I could examine the vehicle. I only managed to contact my insurance company due to the fact I had to vacate the premises.
Once I got home I only was able to contact the loaner 's ( General Motors Financial ) customer assistance line.They said I would have to call back to " reverse '' the loan on XXXX XXXX, XXXX. The GMF system was still down on XX/XX/XXXX and intermittently .Yesterday I first spoke with a team leader at General Motors . He ( XXXX ) said that the contract is binding because I signed it.
|
| 03/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This car loan has been paid in full. It has been in my credit report since XX/XX/2007 and they have refused to remove it from my credit reports. I DO NOT owe them any money whatsoever and the account is showing a XXXX balance and they still have not removed it from my credit report.
Account Details Last Reported XX/XX/2007 Creditor Name GMFNANCIAL Account Type Auto Account Status Closed Opened Date XX/XX/2007 Closed Date XX/XX/2007 Limit -- Term 61 Months Monthly Payment {$290.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$12000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/2007 Amount Past Due -- Times 30/60/90 Days Late 0/0/0
|
| 09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2020 AND XX/XX/2020 a finance inquiry was posted to my credit report initiated by GM Financial. This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( GM Financial ) can only furnish a consumer report in accordance with written instructions of consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as a consumer have been violated and my privacy has been breached.
|
| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing.
I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it.
Please have this inquiry removed from my credit file.
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed.
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.
The company redirected me back to CFPB.
|
| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( GM Financial XXXX ), has violated several of my rights.
15 U.S.C 1881 section 602 A. Glearty states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : Il also states a consumer reporting agency can not fumish an account without my written Instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 04/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have been in contact with GM Financial about removing a credit remark on my report from XX/XX/19. This was an error due to their company 's app set up of the auto pay being difficult and confusing to navigate for customers. They refuse to remove the remark, even though they have the ability and authority to do so. I was never late in over 20 years of being a loyal paying customer. And I was not late by that much either. I am trying to secure a new loan during this difficult financial time and they are not being flexible or compassionate. I would like to some assistance with this matter and would like to file an official complaint about GM Financial in regards to this. Thank you.
|
| 04/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
My leased XXXX XXXX XXXX was repossessed in XX/XX/XXXX and GM Financial has repeatedly tried to collect a balance it claims is due. According to California 's Vehicle Leasing Act 2987, I did not receive a notice at least 10 days in advance of the disposition and/or the determination of the value of the vehicle. I did not receive an itemization of the determination of accrued fees, nor did I receive an inspection report in the letter of the costs in which it referred to as an " enclosed inspection report. '' I was also not given reasonable notice to personally hire a professional appraisal of the vehicle for the purpose of valuating and determining what was to be owed on the lease.
|
| 10/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
My car loan is on an automatic debit from my bank account. I specifically chose a date where I know I would have the funds for the debit. On the second of each month, a couple of days before my paycheck gets credited to my account.
GM Financial ( XXXX. XXXX XXXX XXXX, AZ XXXX ) have been deducting the amount from my account two days before my the agreed to date. I called their customer service and she told me that that is what they usually do. Credit the money two days before the agreed to date. There was nothing in writing verbally saying or stating that that is their policy. I am being charged with overdrawn fees from my bank account.
Is there anything I can do about this?
|
| 10/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The debt collection agency that represents GM Financial calls me 2-3 times a day. The agent speaks so quickly that I can not make out the details of her Agent ID # or telephone number in the voicemail. When I call the collection office, they tell me they have no record of my telephone number even though I receive 2-3 calls a day.
I have never bought or leased an automobile with GM Financial. I have spoken with two agents at the collections office ; however, neither were able to tell me why I am receiving collection calls from GM Financial. I would like to remedy this situation to see if it is a fraudulent account, but I am receiving no assistance from the office contacting me.
|
| 10/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I had a GM Financial Loan since XXXX XXXX XXXX. I paid off the loan in the beginning of XXXX. Their app was messed up and gave me an inaccruate payoff amount which included an OVERPAYMENT of approximately {$18000.00}. I paid the " PAYOFF AMOUNT '' Which was {$17.00}, XXXX, then the following morning it showed a new " PAYOFF AMOUNT '' of ~ {$200.00}, which I paid. The loan has been paid AND there is a credit balance with a refund due to me of approx {$18000.00}.
GM Financial is refusing to release the title.
I have already traded the vehicle to a GM Dealer who is now unable to sell the car because GM Financial is refusing to issue me the title to the vehicle I have paid for.
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX GM FINANCIAL XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 06/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have tried to reach out to the company making them aware that I have been diagnosed with XXXX XXXX, laid off and can not pay at this time. I asked for a pandemic deferment for two months and they said they are not offering this to customers at this time. Although I have reached out to them and explained my situation, GM financial has continued to harass me several times a day. My payment is not even one month past due and the representatives have threatened to send me to collections. Please help me with what I can do to protect my investment. I am a law abiding citizen that always pays my bills on time. Thank you and I look forward to hearing from someone in the near future.
|
| 08/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
We bought a new car on XX/XX/18. We are co-owners. The dealership submitted numerous applications to secure the loan. We were ultimately approved for the loan by a credit union for an interest rate of 3.99 %. XXXX was one of the lenders that denied the loan. My complaint is that we did not receive our credit denial letters from XXXX until today, XX/XX/18. We received one letter for each of us. The letters are dated XX/XX/18. The Fair Credit Act states that creditors only have 30 days to send denial of credit letters. It even states on the bottom of our letters that our credit was pulled from XXXX on XX/XX/18. XXXX is obviously considerably over the time that the law allows.
|
| 10/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 03/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
XXXX XXXX reported XX/XX/17 on my inquiry which I did not authorize reported on XXXX also I was in the breach. No amount was given called the company and ask them to remove them and they would not. Has caused my credit score to lose 25 point. Someone has been trying to obtain credit in my name. I have no contracts, photo 's, documents, letters or receipts for I did not apply to any of these companies for credit.
XXXX XXXX XXXX XXXX company reported XX/XX/17 on my inquiry which I did not authorize reported on XXXX also same as the above complaint.
XXXX XXXX XXXX XXXX XXXX reported on XX/XX/17 which I did not authorize reported also on XXXX same as the above complaint.
|
| 09/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Due to COVID 19, I was out of work from XXXX XXXX mid XX/XX/2020, I called the GM financial and made them aware they delayed my payment by two months. I received a notice in XXXX that my account was past due, I called as if I could get another extension and was advised that they only extend by two months. Unfortunately, I was not at work and couldn't pay it. Now it is XXXX and I'm behind almost 30 days because they never granted the extension or acknowledged that people can still be out of work do to this pandemic. I called a few times to no avail. I even put in a complaint with the XXXX XXXX XXXX where GM financial sent me a copy of my agreement, which I am well aware of!
|
| 07/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Company stated they did not get the XX/XX/XXXX payment Discontinued online payments that were made because of security problems they stated XX/XX/XXXX XXXX XXXX account XXXX check # XXXX XX/XX/XXXX Phone Payment to XXXX confirmation # XXXX {$400.00} XX/XX/XXXX Phone payment confirmation # XXXX XX/XX/XXXX XXXX XXXX Confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX Called and was told I owe over {$500.00} this month in addition to monthly statement amount.
I am constantly being charge {$18.00} every month.
XX/XX/XXXX bill {$860.00} with {$18.00} late fee XX/XX/XXXX bill {$890.00} with XXXX late
|
| 01/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
GM Financial Jointly owned car loan has been current since XX/XX/XXXX and all 3 credit bureaus have not updated their status since XX/XX/XXXX. I have made 3 consecutive payments and have disputed the account and nothing has changed and it is now going to XXXX with the same delinquency, I am a spouse of a U.SXXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX XXXX has been paid and closed and they reported me late from XX/XX/XXXX to XXXX XXXX i keep disputing it but no resolution. i keep me from purchasing a home. my mortgage current is greatly affected. I had medical necessary XXXX and sent documents of financial issues but no response and I was taking care of my veteran husband
|
| 08/02/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
1. On XX/XX/2022, I granted, conveyed, transferred, pay, assign, deliver, my security interest my rights upon the debt instrument ( payoff quote ) in the form of a promissory note as cash payment dollar for dollar for full settlement and discharge of the total obligation due as a pre-payment. via Negotiable Instrument transaction.
2. GM FINANCIAL after keeping all full payments I presented to them for discharge had hired XXXX XXXX XXXX to take my private personal property my vehicle while I was currently inside the automobile ( XXXX XXXX XXXX XXXX # XXXX on XX/XX/2022. I received a letter by GM FINANCIAL on XX/XX/202, of the sell of my property that was stolen from me.
|
| 02/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The car was paid off in XXXX I was told the lien release was sent to me I never received it. The call was totaled and before the insurance company will send me the check for the loss they need the lien release I called GM financial on XXXX the XXXX and asked if they would fax it to the insurance company I was told they would but it could take 3 to 5 business days. My wife called Monday and spoke to a someone and asked if they could expedite the situation the contact was extremely rude and told her they had 3 to 5 business days. I called on the XXXX and was told they had 3 to 5 business days. As of the XXXX the insurance company still has not received the lien release.
|
| 09/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My husband and I have been trying to refinance our loan that is currently with GM Financial since XX/XX/2019 due to the extremely high interest rate. On XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX again, XX/XX/XXXX, and XX/XX/XXXX we have requested payoff to XXXX XXXX XXXX XXXX. Each time, after being on hold for 5-10 minutes, the associates indicate that the payoff would be sent within 2 - 24 hours. We have requested the payoff be faxed to XXXX. On Friday, page 1 of a fax from GM came through ; however, no payoff on our loan. To-date, XXXX XXXX XXXX XXXX has not received the payoff. This is likely a ploy to retain more simple interest at 6.9 %!! This is an abusive practice!
|
| 06/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have had a car loan with GM financial for approx. 4 years, but on my credit report they have large gaps showing no payments have been made. i have made late payments and have had agreements-signed in which payments where moved to the end of my lease in order to no report late payments. i have disputed this with the 3 credit reporting agencies but it has not changed. i understand GM financial has had issues with this and is even facing possible class action. i am demanding they correctly report all of my payments since XX/XX/XXXX and remove the negative entries of XX/XX/XXXX-XX/XX/XXXX-as i have been making my payments. they also need to report the correct balance.
|
| 08/27/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
My vehicle leased with GM financial was totaled on XXXX/XXXX/15. After working with other parties ' insurance company, a payoff amount was established and a request for title began XXXX/XXXX/15 with GM financial. As of today, no copy of the title has been released so that the insurance company can send check to GM Financial. I have personally pursued this issue with the title dept, total loss, and collection depts in order to have this issue rectified with no resolve. In the meantime, the insurance company is waiting on a title, and I am being pursued for payment -- I am being called everyday to submit payment for a vehicle that GM Financial knows has been totalled.
|
| 11/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
This car was put in my name without my knowledge. I eventually took possession and sold car but the debt has remained.
This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
|
| 03/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
GM Financial XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Upon return of my vehicle, a customer service rep at GM Financial informed me to wait until adjustments were made on my final bill, as the dealership that accepted my return did not make note of the correct condition of the vehicle. While waiting for these adjustments to be made, GM reported my payment as late.
After speaking to customer service, the rep on the phone told me that GM would contact the credit reporting agencies to modify my payment history to show that my payment was not late.
My credit report was never updated. This payment still shows late.
This occurred XXXX XXXX XXXX
|
| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/21 I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me.
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
|
| 02/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I turned in a truck and I received one invoice stating that they were charging me {$3600.00} in fees. I called GM financial to ask what these charges were and I didn't hear back from them until today. - they claimed it was due to covid. I am doing a refinance on my house and my credit was checked and not only did GM put this terrible mark on my credit, but stated I owed this money, when I had no idea what I was even being charged for and couldn't even speak to anyone due to circumstances with COVID that are out of my control. Now I can't refinance my house.
Once I found this out, I called GM financial and settled on a payment plan but this is insane and not fair.
|
| 04/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed.
XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
|
| 07/18/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I leased a truck from XXXX and I always paid on time. After I returned the car they claimed that I passed the mileage and they require me to pay {$8300.00} for over mileage. I contact them and ask them to show me proof of debts such as statements or 3rd party inspection report for the mileage or photos of the mileage but they saying that they dont have that. The only thing they send me is email that I have pass due balance of {$8300.00}. They reported it to my credit bureaus and my credit went down and its limited me already for two years. I dont know how to resolve that issue because they cant send me proof of debt and they also not willing to close this matter.
|
| 12/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
First I am a retired XXXX XXXX XXXX, I am a XXXX. I have worked XXXX government. Currently I am at XXXX.My wife and I bought a XXXX financed through GM Financial.. In XXXX we requested a release letter to ship our car to XXXX. We have another car that we shipped, financed by XXXX. We shipped this car. GM refused to give us clearance authorization to ship XXXX out of country even though we have afull coverage.insurance through XXXX. GM denied our request. Currently our XXXX is in our garage at our house in XXXX. I have tried many times to get them to authorize shipping car. e are in good standing with payments, we are ahead in payments auto bank draft. Please help
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I DID NOT SIGN ANY AGREEMENT THAT GM FINANCIAL COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
|
| 05/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
GM Financial - on my credit file has reported multiple late payments on an account in which I was never late. This gives me reason to believe that this is not my established account. I have sent disputes to GM financial and requested that they forward to me a contract bearing my signature to authorize an account by this creditor. I sent this lender a dispute which entails that if they can not present to me a signed contract bearing my signature within 30 days, this account must removed from my credit reports. GM Financial has sent me a letter acknowledging the possible fraud on my credit file. I have included my relevant dispute documents with in this complaint.
|
| 08/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
gm financial is reporting late payments on my account XXXX my account is set as auto pay. copy of confirmation of auto pay was provided to gm financial advisor. in early XXXX XXXX with the help of gm financial advisor same information was re entered and payments were made. late payments fee were removed and i was assured that account will reflect timely payments. now today ( XX/XX/2021 ) i am informed by XXXX that late payment is reported.
i think it is very unfair. I take my financial obligations very seriously. I am currently leasing two XXXX XXXX. i love driving gm products. gm financial please remove negative information reported incorrectly. Many Thanks.
|
| 09/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American, Servicemember |
|
I had a 2012 XXXX XXXX financed by XXXX XXXX the car was total out, my insurance company paid which I thought they were responsible for paying the car off. I was total there was a charge off amount of XXXX owe on the car. I car XXXX XXXX and when into a payment plan to pay off the XXXX which I paid the amount off. The problem is if XXXX XXXX accept the payments for the charge off. Why on all my credit reports the charge off amount of XXXX still shows when they accepted the payments. So the debt would be paid if full which it was. I understand the late payments showing but if the company agrees the accept payments to fulfilled a debt how can it be a charge off.
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The GM FINANCIAL account is currently reporting on my credit report that does not belong to me and it is a mistaken identity case and a fraudulent account. I filed an official identity theft report with FTC and I included that fraudulent account in order to dispute and remove it from my credit report. Except for XXXX credit bureau this fraudulent account has been removed from my credit report. I am not the responsible party for this account because I never applied for it nor did I gain benefits from the services provided by that company. Thereof with the submitted documents, XXXX must delete fraudulent account reporting by GM Financial from my credit report.
|
| 12/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
I have a GM FINACIAL ACCOUNT, the loan for XXXX XXXX XXXX, XXXX NUMBER XXXX, the ACCOUNT NUMBER IS XXXX, I did open this account and I paid in in full, but GM FINANCIAL reported me to XXXX credit bureau that on XX/XX/XXXX, I had one late payment, which I always pay on time, plus they had the improper address to send me the bill, and second they had my wrong account number, this company never send me any documents to tell me that I was late, the phone number for GM FINANCIAL IS XXXX ( XXXX ) XXXX.please contact GM FINANCIAL and have them correct the mistake that I was never late, Please contact me if you have any questions at my cellular number ( XXXX ) XXXX.
|
| 05/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2017 GM Financial with whom me and my husband had a joint loan for XXXX XXXX XXXX paid the pain in the mail, the check wasnt received. We found out next month the payment hadnt been received, made a double payment. GM removed the late charge and said they would remove the 30 day late on our credit report but since have not done so. My husband and I have called them and sent many letters. We feel GM is acting unreasonable in the situation since we had great payments before and after that event. Always paying online now. We also opened a new loan with them in XXXX. The mark of 30 days late on our credit is very damaging and need some help.
Thank you
|
| 02/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I contacted GM Financial and spoke with a representative back in the beginning of XX/XX/XXXX to inquire about getting my payments lowered because my father was just diagnosed with XXXX and I would be helping to pay his bills. The rep tried to help but informed me that I couldn't lower my payments on my vehicle. I continued to call every month I knew my funds were going to be short but the company didn't help to lower my bills in which late marks was charged to my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
My father passed in XXXX of XXXX. I called the same month to inform the company about my XXXX payment but I still didn't get any help.
|
| 10/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My wife and I have a joint loan with GM Financial for the purchase of our XXXX XXXX. I believe we got the loan XX/XX/XXXX. My wife, XXXX XXXX, filed for bankruptcy and it was discharged XX/XX/XXXX. GM Financial will not let me speak with them about my account because of this and more importantly, they are not reflecting my timely payments that I have made for a year now. I am trying to refinance the vehicle and am getting turned down because GM Financial refuses to have my payments reflected on my credit report. I believe they are unlawfully doing this. Can you please help me to get GM Financial to reflect my payments on my credit report? Thank you so much.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a XXXX XXXX XXXX XXXX with GM Financial. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to GM Financial. Unfortunately, GM Financial reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a GM financial customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
i had a car loan with americredit/gmfinancial i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date AMERICREDIT/GM FINANCIAL Account Name AMERICREDIT/GM FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late.
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$20000.00} Highest Balance {$0.00} Terms 60 Months
|
| 03/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I went to XXXX XXXX looking for a car loan. On XX/XX/2018 I gave XXXX XXXX permission to run my credit report. Upon this agreement, I was informed that XXXX XXXX would be reaching out to several banks to try to get me approved but I was also told that these numerous inquiries would be bundled into one, claiming that the credit bureau would recognize it as me shopping for a car. The extra inquires include GM Financial on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. When I contacted the gentleman at XXXX XXXX he assured me they would fall off of my report. It's been over a year and these inquiries are damaging my credit score.
|
| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
GM financial has commit fraud. I have submitted a pay off of my loan for well over the amount i owed just in case they added on additional fees. They accepted my payoff but never gave me credit and then repossessed my vehicle for non payment.
they will not return my vehicle or my payment to me. this payment was sent to the ceo of the company and was never returned or credited. I have submitted a notice of dishonor to the ceo via XXXX XXXX Priority mail express along with a bankers affidavit and a fee schedule. I wil also be submitting a 3949-A to the IRS for organized crime, public and political corruption, false/ altered documents, unreported income,
|
| 12/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 02/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I filed a previous complaint regarding GM Financial regarding GAP insurance that I was told that I had to purchase in order to drive off the sales lot of XXXX XXXX of XXXX and I'm a XXXX veteran with low income and felt taken advantage of. I requested the Gap fees to be applied to the principal and GM decided to send it to the payment instead. When I spoke with the Assistant Manager, I was told that it would be and since I set the payments up on bill payer, I believed GM Financial at their word. Now I'm finding out they didn't honor my request. I truly feel completely taken advantage of by this company and they knew that I am XXXX, just as XXXX XXXX.
|
| 05/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I purchased a new XXXX XXXX. I paid {$20000.00} down and financed {$10000.00}. I paid off the {$10000.00} and the check cleared my bank XX/XX/XXXX. I have made several requests trying to get the lien release sent to me so that I can register and title the car in my home state of MN with a free and clear title. The interest was paid in full and their records indicate XX/XX/XXXX. I have requested a XXXX balance letter and have been denied that as well. He placed another request for this today.
I have made several calls to GM Financial and have been told as many different answers. Each time I speak with someone I am told something else.
|
| 09/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
In 2006, I purchased a used vehicle from XXXX XXXX in XXXX XXXX Florida. I used a lender refereed by the dealership, GM Financial.
I was told that interest would be accrued monthly. However, the interest was accrued daily. The loan was roughly {$8000.00}, and the monthly interest was outrageous. I had no choice, but to use 100 % of my student loans to pay off this loan early. I was stuck in, what I believe to be, a predatory loan for around one year.
I 'm not sure if I can be helped due to statue of limitations. I 'm sure I have thrown away most, if not all of my literature from the loan. My hope is that this loan history might be archived online.
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : GM FINANCIAL XXXX
|
| 01/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made a car on XX/XX/XXXX which was early then ended up buying a new car on the XX/XX/XXXX. Was told to call GM to get that payment applied to my new car i called on XX/XX/XXXX to see what could be done was no problem but it would take a couple days to update. Then i called in my new payment on XX/XX/XXXX. So i asked if they could just apply that credit to XX/XX/XXXX payment was told no problem it had to update on there was a XXXX different s. Asked to pay that told wait for it to update. Now calling back again to make the XXXX payment was they were not going to give me the refund n to make the whole payment n why would i believe. What i was told
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
|
| 08/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2
|
| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days.
This morning I wake up to find that GM Financial has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and GM Financial has destroyed it.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX credit report.
XXXX XXXX XXXX GM Financial - 2 applications on same day!
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX and XXXX credit report.
XXXX XXXX XXXX XXXX
|
| 06/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2018 XXXX XXXX Opened account for XXXX for XXXX Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated XXXX is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time.
XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX
|
| 11/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The inquiries, which appears on my credit report from General Motors Financial Company dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
I have contacted these companies individually and have not received any reply back.
|
| 06/04/2020 |
Yes |
- Credit card or prepaid card
- Government benefit card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Web |
Servicemember |
|
Charger 2x for the same payment to the same company and the company told me I had to call the XXXX XXXX XXXX because it was an issue with XXXX XXXX XXXX saying the payment did not clear and then took the same payment again. {$2000.00} was taken out of my card unauthorized to GM financial and GM financial is telling me they can not resolve it, XXXX XXXX XXXX has to stop/cancel prevent the unauthorized charge from clearing. Now my family have no money and it is only XXXX?
I tried to contact XXXX XXXX XXXX customer service to decline the payment but was placed on hold for 2 hours and the phone disconnected so the issue could not be resolved.
|
| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
On XXXX XXXX, 2017 visited XXXX XXXX in XXXX Al. I specifically told salesman XXXX, that i didnt want my credit pulled ... i kept repeating that to him. He reassured me that it wasnt gon na be pulled ... He was taking a long time in the underwriters office so i walked in and there was my credit report pulled and all notofications of a hard pull was coming to my phone.. This made me furious. Then XXXX says, what my score is and speaks about my report..then he pushed a paper towards me saying here sign this this is for me pulling your credit ... But I TOLD YOU ALL NOT TO PULL.. SO NOW im stuck having to deal with all these erroneous inquiries.
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are multiple duplicate hard inquiries on my credit report. From XXXX XXXX through XX/XX/XXXX of XXXX. I bought a new car and I was told they were preforming soft inquiries. I understand upon completion of the loan that there would be a hard inquiry. I believe there are about 12 hard inquiries probably more in that time frame. Also there are duplicate inquiries, I didn't ask for my credit to be run that much. Also I think it is only right that at least the duplicates should be removed. It is literally like Americredit is on it 4 times. There is also a duplicate inquiry for XXXX XXXX. Can you please help me get these inquiries removed?
|
| 07/02/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I bought my truck lease out with GM Financial on XX/XX/2018. They gave me a payoff, I sent them a check and they sent me my title. They sent me a letter acknowledging my lease is paid in full. They are now billing me {$210.00} for a tax that has nothing to do with me. I have called them several times to get this resolved. They have admitted to the error and promised fix it. This has not been done, now not only has the bill gone to {$420.00} ( dated XX/XX/2018 ). This is effecting my credit from all three agencies. I am unable to get credit due to this issue. The people in customer support promised this would never get to a reporting agency.
|
| 11/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
I received a call today in regard to being sued by Americredit. It was in regards to a reposession in XXXX. They did not clarify. However. That was many years ago and they said they can sue me for the total owed which according to them was {$10.00}, XXXX but they said they are asking for {$15000.00}. Also, they said they will serve me at work or home in regards to sueing me. They have left a message on my phone and I called. They have all my information including my social and my birth date. I do not have that money. However, I thought there was as statue of limitations on when a suit can be filed by the county. Please advise. Thank. you.
|
| 07/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
They claim I missed my XXXX payment. Spent hours on phone. Sent bank statements showing that check was processed with check # and dates when sent and when it went through my bank. Last billing statement had 2 different payoff amounts which we were told is wrong and gave us yet another figure. Told us we needed to send payoff amount to a different address. We told them yes is with the billing statement which they said no, that's not right either. They want me to send in more money for XXXX and they owe me money now. If I send what they say they want me to send in to save my credit score I will have over paid over XXXX dollars. Help please!
|
| 12/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
Due to Covid and unfortunate family circumstances, we held the car past the lease term ending XX/XX/2020, but continued to make monthly payments to show good faith that we were extending the lease. Never once was my payment rejected or returned for the next several months. GM issued an order of repossession in XX/XX/2020 to get the car back, but this repossession had nothing to do with a financial obligation. Our credit report indicates we owe a balance. As this was a lease with no payout due at the end of the lease term, there is no balance due, merely the car was to be returned and that is why GM supposedly " repossessed '' the vehicle.
|
| 11/02/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I left a lease early and leased another vehicle with the help of the factory. The finance company assumed a very aggressive estimated future property tax amount. I knew it was too high and told the company I would pay them {$150.00} a month until the actual property tax bill came in. The estimated tax was hundreds of dollars higher than the actual number. I confimed that number with the local municipality. I called the leasing company with this information and they informed me that they would look into it. I never received a call back or letter regarding my issue and the leasing company continues to call looking for the fraudulent amount.
|
| 10/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Finanacial put a 30 day late on my credit report for XXXX of XXXX The company I work for pays the payment and they have stated that the payment was made at the same time every month as normal however the mail delviered it late or GM Financial processed late.
In addition, GM Financial did not have the correct phone number on my account and I had called in two separate times to make this update and they did not update even after they had already reported this late payment I had an XXXX score prior to this. I have never made a late payment in my life.
Please take a look at this and help me. GM Financial is so difficult to deal with.
|
| 09/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
GM Financial refuses to acknowledge my right of rescission. They keep calling me and my family members attempting to collect a debt that was already paid. I mailed GM Financial registered agent a notice of Rescission, special power of attorney, and irs form 56. The documents were mailed via certified mail with tracking numbers XX/XX/22. Pursuant to Truth In Lending Act 12 CFR 1026.23 ( b ) ( XXXX ) I excercised my right of rescission.
I also mailed GM Financial and their Registered agents a ( notarized ) constructive notice agreement and affidavit of truth. I mailed those documents via overnight mail with tracking numbers. ( XX/XX/22 )
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove all late payments ( XX/XX/2022, XX/XX/2022 ) account is paid, and now closed.
XXXX Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
XXXX XXXX XXXX : XXXX XXXX Account number:XXXX This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.
|
| 08/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). GM Financial did not properly input the return into their internal system resulting in an inaccurate reporting of delinquency on my credit report. I've contacted them numerous times and am being told the error is being corrected and delinquency remarks are being reversed. The company is taking an excess amount of time to correct my report ( more than 60 days ) resulting in penalties to my credit score and open trade lines both being reduced. I believe this is a violation of the FCRA and am at the point of taking legal actions.
|
| 10/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
i am paying 18 % APR Interest every month Equal to XXXX $ because of my credit score. i was denied for new credit cards from XXXX and from XXXX XXXX XXXX and from XXXX XXXX. i was requested to refinance my car To GM financial my current car under Gm Financial, but i am not getting good quotes to refinance my car. i am very low income person, i am struggling to making payments every month with my family and XXXX month old baby. i am worried about my family financial situation right now. because of these CREDIT BUREAUS like XXXX and XXXX, XXXX XXXX XXXX and my car dealers all all people are manipulating the law and make me suffer a lot.
|
| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, AMERICREDIT, XXXX XXXX and XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX and on XX/XX/2019, GM FINANCIAL add a hard inquiries on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 10/08/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I returned a vehicle to GM Financial. GM Financial charges me {$180.00} in late fees even though I always attempted to makemy payments on GMs website on approximately the same day, within the grace period.
GM Financial is also reporting derogatory information to credit bureaus concerning this account.
GM Financials website experienced significant problems, and GM indicated that it would waive late fees and delete derogatory credit information due to customers inability to make a timely payment.
Nevertheless, GM Financial has refused to waive these late fees and has refused to correct erroneous credit reporting on this account.
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Americredit Financial DBA GM Financial commit a fraud by reporting a debt that I did not sign with them. They Should stop reporting their name and account in my credit report I don't owe GM Financial anything. As a XXXX individual with long History of XXXX, and XXXX, not to mention my race, and age. I would like to ask GM Financial to stop using my credit for their own benefit. And stop violation of my privacy. I am XXXXXXXX XXXX father XXXX and GM Financial can not take advantage of my country of origin to violate my civil rights and human rights. This harassment and persecution have to stop. My credit is taking an enormous toll.
|
| 06/22/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
At the end of the lease I was charged for two instances of excess wear, one for {$75.00} and one for {$85.00}. Both of these should have been covered under the lease insurance that I had through GM Financial that covered four instances of {$1000.00}. I have contacted GM Financial four times explaining this, they tell me they are going to open a claim, I call back later and they act like I have never called them before. Originally it was showing on my credit as a late payment. I disputed it through XXXX and it was shown as a charge off. I disputed that and now it's saying three months of charge off and the rest is a late payment.
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am XXXX XXXX XXXX I am submitting this complaint myself. I have been patiently waiting on AMERICRDT 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law XXXX continued reporting as unverified information which now, given all my attempts XXXX address it directly with the creditor, as willful negligence XXXX non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( AMERICRDT Inquiry Date XX/XX/2020 )
|
| 04/03/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I have XXXX separate leases on XXXX vehicle all dated the same date ( XXXX/XXXX/XXXX ). ( Yellow Copy attached is my Copy ) and the only one with my signature but wrong months, which I file a complaint with GM about back in XXXX. Second is GM Financials ( their Contract XXXX pages attached ) provided to me on XXXX XXXX, XXXX with a Fraudulent Signature and multiple changes including a crossed out amounts, and several discrepancies including payoff is {$0.00}. Third is Dealership Copy of their Lease which is unsigned. I have notified the XXXX as well as the Attorney Generals Office and have enclosed all paperwork for your file.
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I've been subject to unlawful use of a credit card in my name ( SSN ) on XX/XX/2023. I was denied credit in order to attain XXXX Pickup Truck on this date, yet there remains an inquiry on my credit report, meaning that there was money transferred, or made with the use of my SSN ( credit card number ) & I have not benefited from this action, as I was denied the extension of my credit. This is a clear violation of 12 CFR 1002 ( Regulation B ) & considered credit discrimination. I am a creditworthy consumer & I can not be denied an extension of my own credit, much less by a business who intends to use my information for profit.
|
| 05/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I missed a few payments on my truck 4 exactly, 3 consecutively missed payments, and 1 other missed payment shortly after. I was supporting my entire family through COVID 19, and had to take on more financial responsibilities. I tried to contact GM Financial multiple times about seeing if they can please wave/remove the missed payments off of my Credit Report. They were never able to give any helpful guidance on how to go about removing these missed payments and I was told twice they could not do anything. To contact the credit bureaus directly. I am XXXX XXXX XXXX and it is very important to me to have a clean credit report.
|
| 09/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I financed a truck through XXXX. I had a hardship in my family and filed Bankruptcy. The truck was included in the bankruptcy and the payments were made in the plan. This went on over a year. I went back to work and decided to come out of the bankruptcy and pick up my payments with my creditors. Everything is working great except XXXX are stating that I have to pay almost {$9000.00} to keep my truck. They stated to me that they were not paid through my bankruptcy. I have all of my statements from the bankruptcy court showing that they paid XXXX according to the plan each month. Now XXXX are threatening to repossess my truck.
|
| 06/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Gm financial has a Very slow billing system that doesn't update properly doesn't account for payments doesn't show all payments, Doesn't provide an accurate balance... The customer service is generally grossly incompetent with absolutely no follow up from this company about anything... They waste your time and essentially dismiss your concerns. This company 's policies and procedures essentially is consumer abuse... I would add that in the past their statements had no information at times But insisted there was nothing they could do... I have absolutely no confidence that this company will do anything about any complaint...
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In 2019 GM Financial received an insurance payment of {$13000.00} from XXXX XXXX, and an additional check from XXXX XXXX XXXX for {$12000.00} to pay off the XXXX XXXX XXXX, I had financed with GM financial . Since then, they have placed the vehicle back on my credit score as a charge off. I have had it removed multiple times. But they keep placing it back on my credit report. Ive disputed it, and now they placed it back on my credit report as a charge off again! My credit score plummeted XXXX points as of today. GM financial refuses to properly reflect the vehicle paid off. I dont know if my next step is to get an attorney?
|
| 12/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The vehicle was unlawfully repossessed, unfortunately we didn't realize this until it was too late. They repossessed the vehicle prematurely and then sold for more than what we owed. They sent a letter stating we owed an additional XXXX dollars, when they sold the vehicle for XXXX. When you add the itemized items on the Auction sale statement they calculate out to a balance left of {$28000.00}. With our remaining balance of {$28000.00}, which is also listed on the same statement, it shows they owe us XXXX. Yet they claim it as a debt we owe them, which is incorrect. They refuse to correct this, or remove it from my report.
|
| 10/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Their was a vehicle purchased in my name in New Jersey but I live in Missouri and with a financial institutions called gm financial I. Amount over XXXX as of XX/XX/XXXX I have filled police reports, mailed letters to all credit reports and the financial company on this issue. I have called numerous times stating all of what I done and proof on I could not been in that location to do what they say I have done. I serve in the military and have proof I could not been their at the time. It is XX/XX/XXXX and I am still fighting this issue I have froze all of my credit until this is resolved and cant purchase anything until so.
|
| 06/15/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have sent GM FINANCIAL a CEASE AND DESIST on XX/XX/XXXX with green return receipt which they have mailed back as you can see in my previous complaint. A cease and desist in law is used to tell the other party to stop all illegal activity and stop all communication through any medium. Today I received a deceptive form from GM FINANCIAL Pursuant to 15 USC 1692j, pursuant to 15 USC 1692c ( C ) GM FINANCIAL should only be communicating with me about terminating further efforts to collect a debt, to invoke my specified remedies which i did already and that i intend to invoke my specified remedies which i did already as well.
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, AMERICREDIT and XXXX XXXX XXXX add a hard inquiries on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 05/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Called GM Financial three times asking when they were going to send in an update to the credit bureaus reporting that my car loan was paid off. Every time I kept getting the excuse that it would show up next month as paid off. I paid off my car load XX/XX/2018 and have received the title. My third call to GM today, XX/XX/XXXX, the customer service rep admitted that the new system they instituted was causing compliance problems and they could not get it through electronically. My credit score is negatively impacted because of this delay as it still shows an outstanding car loan balance reported on ALL THREE credit bureaus!
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I then tried calling but was on hold forever and I had to go. By the time I made the payment the payment was late even though I emailed the company to assist me. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get these removed. Thanks
|
| 06/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Companies " XXXX '' and " AMERICREDIT '' have pulled a report on my credit without my authorization on XXXX XXXX , XXXX from XXXX XXXX to XXXX XXXX , Corporation " XXXX '' may have authorized this credit report without my authorization on the website " XXXX XXXX '', was swindled into entering car I was looking for and providing contact information, no where on the page did it specify credit reporting. " XXXX '' was contacted and claimed to have no information on my credit report inquire. Conversation recorded, pictures of website with no specifications of credit reporting filing present.
|
| 09/30/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I leased a car from GM financial about 6 months ago. I bought insurance on my phone through XXXX and thought I had full coverage. last week there was a vehicle that hit our parked car in front of my house and ran off. XXXX said I do not have full coverage. how did this happen? are n't you legally obligated to have full coverage on the lease? Why did GM financial not do anything about this? Why did XXXX not alert me that I was under covered? Who is at fault? Am I responsible for the {$10000.00} worth of damage from the hit and run? Does GM Financial have an insurance to cover this situation? Does Gap insurance cover this?
|
| 08/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
GM Financial has not released a lien on my vehicle. I paid them the balance of the loan via XXXX XXXX as requested by the company and per their company policy they stated the lien release would happen in XXXX business days. GM received the balance of the loan on XXXX/XXXX/16, per their customer service rep. and it is now XXXX/XXXX/16, and the Arizona Motor Vehicle Dept. still has not received the lien release electronically. GM 's rep. states it was done XXXX/XXXX/16. I received a notorized Lien Release letter XXXX/XXXX/16, and contacted the AZ MVD and they state they have not received an electronic lien release from GM.
|
| 08/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I leased a car through GM XXXX XXXX and I had trouble making payments due to illness so in XXXX of 2019 I was going to file a XXXX XXXX bankruptcy and turn the vehicle in the XXXX XXXX bankruptcy was dismissed and the vehicle was grounded GM never sent me a final bill and The total I seen on my credit report was over 19,000 dollars this vehicle was a lease and the total amount of the lease was only XXXX. How can they charge me three times the amount without sending me a final bill and they have their vehicle back. The amount of the vehicle was approximately 19,000 dollars but they have their vehicle in their possesion.
|
| 12/15/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I had a XXXX XXXX XXXX on lease with GM Financial ( GMF ). I traded in the car on XXXX XXXX, XXXX. The new car dealer bought out the lease from GMF. However, between the time we negotiated the deal ( XXXX ) and the date the deal was completed ( XXXX ), I made another lease payment ( XXXX ) of {$250.00} which was automatically deducted from my checking account. The dealer told me that the leasing company would refund the over-payment. The lease was fully resolved by GMF on XXXX, as the dealer paid off the remaining balance. It is now XXXX, and after XXXX phone calls and XXXX e-mails, my over-payment is still unresolved.
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
|
|
Web |
Servicemember |
|
I had a car with GM finacial. I have never been late on payments. The car was in the shop for months. I never got a notice of when it was expected to be out of the shop. The shop contacted me to pick up the vehicle. I was out of town for work and could not make it back in the same week. They contacted gm finacial and gm finacial voluntary repossessed my vehicle without my consent or any notice at all. Then sold my car at auction and charged me for the remainder of the loan. Not giving me any payment options and automatically charging it off. Compleatly ruining my credit. The representative was rude and disrespectful.
|
| 08/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I made a purchase of used XXXX XXXX, still under warranty, I was made to add Gap insurance and the APR is not the same as the intial contract, a retail installment contract that misrepresents itself, A Third Party is in fact, the lienholder.I did not make a deal with a third party and a copy of my signature has been used more than 5 times in this paperwork., I seek a legal remedy for this.Remove from my credit, it shows late payment and that's against the law, USC 1666b , no late payment, USC3123 All Debts are Prepaid and HJR-192, obligation of the President.I have over 14 inquiries on my credit, I only authorized 1.
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
|
| 08/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
My XXXX XXXX XXXX was financed through XXXX. It was totaled on XX/XX/XXXX. My insurance paid the claim on XX/XX/XXXX. Due to a denial in GAP insurance, there was a balance remaining after pay off. I was in contact with XXXX on several occasions to get the matter resolved. XXXX agreed to update my credit file if I paid 1/2 the remaining balance which I did on XX/XX/XXXX with a stipulation to remove the charge-off and remove the late payments ( see attached ). I wrote the terms on the back of the check which they accepted and cashed. The account is still showing late payments and as a charge-off on my credit reports.
|
| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
At least the car from GM financial when my lease is up they told me I have 30 days to return it, then they gave me additional 30 days to get a new car with them which I did, in the meantime I tried making a payment they did not accept it l, They said I have to bring back my car, at the time when I got my new order in I made the payment the full and they went and they reported me to The credit bureau that I made a late payment even though they did not accept my payment, also I spoke to representative They told me they send the bills to my address without an apartment number which I never received Please help me out
|
| 08/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019, XX/XX/2019 ), also I was never 60 days late ( XX/XX/2019 ), moreover I was never 90 days late ( XX/XX/2019 ), lastly I was never 120 days late ( XX/XX/2019, XX/XX/2019 )
|
| 11/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX, I opened a lease with GM Financial. The car was repossessed about a year later. I have since reconciled the account and closed the account. I have tried several times calling GM Financial and requested that it be removed from my credit report and it still shows on my XXXX credit report. When I have contacted GM Financial I was told by several different representatives that the account was settled and closed but they could not provide any assistance or explanation as to why the account is still on my credit report. I am unable to purchase a new card due to this account still showing on my credit report.
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX leased a vehicle from GM Financial {$290.00} a month and returned the vehicle at lease termination XX/XX/XXXX.
In XXXX this lease still appeared on XXXX 's credit report when we tried to buy a house : It was then an issue that we thought was then corrected in XXXX.
But in XX/XX/XXXX this lease payment still appears on XXXX 's credit report and GM Financial was called by the lender who confirmed the lease was paid off.
This incorrect information is a violation of the consumer protection laws.
GM financial has refused or neglected to correct the matter causing financial and mental distress.
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The Lender GMC Financial has inaccurate reporting on my credit history. First with XXXX XX/XX/XXXX the are report my account as okay, but on XXXX it's reporting as 30 days late XX/XX/XXXX. I called to try and right this and they claimed everything to be reporting correctly. I have confirmation emails proving that payments were made on time to account.
Lender is also reporting that I had one 30 days late payment in XX/XX/XXXX, that is inaccurate, I have XXXX XXXX confirmation on XX/XX/XXXX amounts paid of XXXX to the lender to prove that information false. Original amount monthly payments were only {$410.00}.
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Had an auto loan that was paid off, I turned it in to purchase another car in XXXX and the dealership said the vehicle was repossessed and obviously not because it was with me to use as a down payment for a new vehicle. It stated profit and loss write off and a balance still on. I have called GM financial to fix that. They continue to not repair. I have notified XXXX XXXX and nothing is being done. As I stated, XXXX XXXX bought my car and I used that as a down payment for my XXXX XXXXXXXX. It needs to show that it was NOT a write off or profit and loss. It was paid off by me and purchased by XXXX XXXX in XXXX
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report.
GM FINANCIAL XXXX creditor GM FINANCIAL LEASING XXXX Balance : -
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| 06/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I had a loan with GM Financial that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's.
I had spoken with GM multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options.
The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.
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| 08/04/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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GM financial repo my XXXX XXXX XXXX refuse to accept negotiable instrument due to no lawful money in circulation they sold the debt now want to collect from a 3rd party also my credit has been ruined I was reported to 3 credit bureaus affecting my life and family needs. I am demanding under 15 U.S. Code 1666d - Treatment of credit balances U.S. Code Notes 15 U.S. Code 1666d - Treatment of credit balances U.S. Code Notes 15 U.S. Code 1666 - Correction of billing errors U.S. Code Notes 18 U.S. Code {$8.00} - Obligation or other security of the United States defined 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT.
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| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.
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| 09/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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i had a lease with GM Financial and totaled my vehicle on XX/XX/2022. XXXX XXXX sent the entire loss amount to GM Financial because they would not release the title without receiving more than {$12000.00} in additional funds that is mine. It is now XX/XX/2022 and I still have NOT received my check BECAUSE GM Financial is playing the " float '' game and keeping my funds for their backend income capture on interest income. This is an illegal practice and should never be condoned by you!!!! Please investigate! Please assist me with getting resolution and protecting US Consumers from this abuse going forward!!!!
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| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$24000.00} GM FINANCIAL - ****** Opened Date XX/XX/XXXX Balance {$14000.00} As a customer I have privileges that are given to me to safeguard me from mis-information being accounted on the credit report. At this time I would wish to get a previous request for assessment before I check with my lawyer for tips on the way to handle inaccurate and unverifiable things that are ongoing to be tested as accurate. Please don't hesitate to have me with a copy with the contract authorized or voice conversation where I granted billing me with this particular account.
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| 08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have reached out several times to GM financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. GM financial should contact XXXX and XXXX to remove inquiry.
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| 06/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I was involved in an accident in the vehicle on XXXX/XXXX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to GM Financial by XXXX XXXX XXXX XXXX per a phone call on XX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, GM Financial has reported my account as being past due for 30 days to all three credit bureaus.
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| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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Here is the contents of my earlier complaint so you can make the connection : " GMs claim was for {$620.00}. I paid them directly {$570.00} and XXXX paid them {$230.00} for my XXXX, thus they received {$800.00} which means {$180.00} of over-payment.
Due to your intervention, I received last week a check for {$160.00} with NO EXPLANATION WHATSOEVER as to HOW it's calculated.
" -- -- -- -- -- -- -- -- -- -- -- -- -- Alongside that complaint, GM Financial is still reporting that I owe them {$69.00} where, in fact, they owe me at least {$17.00}.
Please correct this wrong information.
Thank you, XXXX XXXX
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| 11/18/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American |
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Lease ended XX/XX/XXXX. All monthly lease charges have been paid. GM Financial sent a past due notice of {$1700.00} on XX/XX/XXXX without any invoice, details, or support of the charges. I talked with a Customer Service Rep and asked for the info. I sent a note on XX/XX/XXXX asking for the invoice. No invoice was received. GM sent another past due on XX/XX/XXXX again without any description of what this charge was for. On XX/XX/XXXX I sent a note asking for this info. GM did not respond or send the info I requested. Now they have reported my account as delinquent to the credit bureaus impacting my credit.
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| 09/11/2017 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XXXX XXXX, 2017, I sent a certified letter to GM Financial, for account # XXXX under XXXX and XXXX XXXX, in regards to verifying an additional fee added to our bill in relation to a debt collector by the name of XXXX XXXX XXXX XXXX. The certified letter requested validation under the Fair Debt Collection Practice Act to provide evidence bearing my signature from debt collection, which GM Financial decided to pay without validation and is now charging me for it. GM Financial stating that fee is valid due to an itemized statement from debt collector which is not a legal documentation without a signature.
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| 10/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I Received my credit report showing a inquiry from XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
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| 04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This account was not originally disputed, but it is no longer valid. It has been paid in full since XX/XX/XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has been no resolution.
I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.
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| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I had an account with GM Financial from XX/XX/XXXX - XX/XX/XXXX. Account number XXXX On XX/XX/XXXX The account was paid in full.
Since payment, GM Financial has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late!
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.
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| 04/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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GM Financial sent an amount due to the credit bureaus for my final settlement invoice related to my lease turn in without ever informing me of the amount due, when it was due, and providing a reason as to why they reported it. Further, when talking to the GM Financial customer support, they keep saying that the final invoice will come in 90 days after lease turn-in, but then it would make no sense for them to report anything to the credit bureaus about financial information on the account since nothing is due. I'm concerned that they will deem the amount overdue and then it will hurt my credit report.
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| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
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| 09/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I am having financial difficulty and trying to get a deferment and my lender is not allowing me to do so without paying them {$300.00} to do a deferment. A deferment does not cost money, it is a right as a consumer and they should not be charging me to do so. I have never missed a payment until recently and at a time when I most need help, they are not helping me. I received a letter from them about getting a deferment but when I called they said I could not do a deferment and the manager said I could and I received a letter. This is inconsistent and I believe they are causing further undue hardship.
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| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My identical twin sister and I have very similar social security number. XX/XX/XXXX has had our report as one report for well over five years. They claim no fault and have even given both of us access to our report with different social security numbers. They fail to properly fix with 60 days.
This is includes the following lenders pulling hard inquires on my credit report.
XX/XX/XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX.
GM Financial - Insurance Underwriting XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vs XXXX XXXX XX/XX/XXXX XXXX
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| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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You are in Direct Violation of The Fair Credit Reporting Act ( has violated several of my rights., 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act/
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| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Hello my name is XXXX XXXX I have a issue with GM/AmeriCredit.
It was supposed to come off my credit report this month and I have seen nothing i tried to dispute this item then the date of the repossession disappeared and never came back my account number : XXXX this current matter is hindering my security clearance for the XXXX XXXX. It has been in since XXXX since the repossession. The item listed on the credit report has not been removed as listed on on 3 credit bureaus.
XXXX XXXX ID XXXX XXXX. XXXX, XXXX Account Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
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| 09/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am a XXXX XXXX/XXXX XXXX. I have been greatly affected by the pandemic but have still done my best and managed to pay all my bills. I made my car payment on the XX/XX/2021 for {$540.00} and GM didnt take my payment until the next day XX/XX/XXXX making my payment 30 days late.. XX/XX/XXXX the online payment site was down and for most of the day on XX/XX/XXXX as well making me have to make the payment when the system was available which was the evening of XX/XX/XXXX. At this time the system error twice causing two payments to go through to my bank as well causing an overdraft fee for returned item.
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| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
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| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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On XX/XX/2016 I purchased a used XXXX 2016 from XXXX of XXXX ( XXXX XXXX XXXX XXXX Il XXXX ) and financed by GM Financial. The car price was {$9200.00} the APR was 9.90 % and the terms were 71-months. I have been aggressively sending payment above my minimum payment. As of today, I believe that my total balance should be {$0.00} but GM Financial Statements keep showing a balance of {$1000.00}. I have communicated with GM Financial about this issue and they have not made any adjustments. I have proof of payment and any additional information you need to help me clear this problem with the lender.
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| 08/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Frequent or repeated calls
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Web |
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On XXXX/XXXX/2015 I received a call from XXXX in which this message was left. Hello my name is XXXX I am trying to contact XXXX XXXX to get a message to XXXX XXXX ( inaudable ). XXXX XXXX you were placed as a person of reference by XXXX XXXX ( inaudable ) and I would like you to call me back at XXXX at extension XXXX again my name is XXXX. No mention of the company however I later found out it was GM Financial. I believe the laws protect me from no more than XXXX phone call as a third party and that debt collectors are not allowed to leave messages with a third party asking them to contact them?
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| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
Servicemember |
|
Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX.
XXXX XXXX XXXX : XXXX / XXXX XXXX : XXXX / XXXX / XXXX GM FINANCIAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.
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| 03/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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I have NEVER been late on paying GM financial- in fact Ive been paid ahead with XXXX balance for well over a year. They refuse to correct it! I will NEVER buy another GM product- we buy XXXX now. This is ridiculous to damage my credit like this and Ive been paid up AHEAD for over a year??!! These people are jerks and ruthless- they need to be investigated by the government! They kee reporting x1-30 day late payments from XX/XX/XXXX & XX/XX/XXXX. One for each year. Ridiculous- scam so they can finance you later at higher rates - always begging you to buy or trade in on a new truck. What a SCAM.
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| 03/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
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Web |
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i purchased a auto loan with GM financial. My interest rate is almost 18 % and i have found out from other lenders that my auto is underwater. I have tried several time to get my car refinance and no other lender will touch the loan, i am being charged over XXXX more than what the vehicale is worth. I keep attempting to get out of the loan however, can not find a lender.
first of all back in 2012, i was told the rate was 11 % however when the final paperwork was done it was over 18 % this is preditory lending because i am XXXX XXXX women. please send me someone that can help me. i need help.
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| 12/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchase a XXXX XXXX XXXX last year XX/XX/2021 and GM Financial was the company that was supposed tot have gave me the loan to the car. GM Financial acted as though they gave me the loan but really they violated 12 USC 1431 consumer code which states banks cant lend money because they are the borrowers. They also asked for my social security number which is also a crime according to 42 USC 408 and because there is no lawful money. According to 15 USC 1602 I am the consumer and the creditor in this transaction. I extended credit on my on behalf to GM Financial for me to obtain the vehicle.
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| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
|
I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you.
Hard Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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| 03/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.
|
| 05/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
I am currently on XXXX XXXX with the United States XXXX, assigned to XXXX XXXX, Louisiana. While on XXXX XXXX I purchased a XXXX XXXX XXXX automobile. The vehicle was financed with, and mortgaged to, GM Financial for approximately {$26000.00}. Because I fell into arrears on my monthly payments ( approximately 2 months ), in XXXX, XXXX, GM Financial seized the vehicle from my residence at XXXX XXXX, Louisiana, without any notice to me and without a lawful Court Order.
GM Financial has a mailing address of XXXX XXXX XXXX, XXXX, Texas XXXX ; telephone no. ( XXXX ) XXXX ; FAX : ( XXXX ) XXXX
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| 12/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Hello I had a {$10000.00} pay cut. I lost a job. I just got a second job plus I have started XXXX and XXXX XXXX to catch up on my bills. Every month Im getting a threat to get my car repossessed by GM Financial. I feel that we are still in a pandemic and people are still struggling financially. Im make a payment each month and they are wanting two payments now in order for me to keep this car. I have less than 2 years to pay it off and I dont want to give it back. There should be something that companies can do to help with situations like this. Its XXXX stressful and causes XXXX and XXXX.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Account Name : XXXX XXXX XXXX Account : XXXX Account Type : Auto Loan GM Financial has violated my rights and privacy as of 10/11/23 according to 15 U.S.C. 1681a ( 2 ) ( B ) & 15 USC 1666B ( a ) by sharing a personal experience of a late payment on my credit report without my consent or request which is illegal. My credit has dropped XXXX points after years of working hard to maintain and fix my credit.This is directly affecting my business and personal matters. I have reached out to GM Financial to resolve this matter but have been unsuccessful reaching an agent who was willing to help.
|
| 06/20/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
GM Financial has made my life a living nightmare over the past month. They have been harassing me and extorting me for money over an alleged debt for an auto loan. The account has been showed as paid off on my consumer report since on or around XX/XX/. On XX/XX/XXXX, they conspired with a towing company and stole my vehicle at my residence. I am in possession of the title for this vehicle lien free with them released as lien holder as of XXXX XXXX PLEASE SEE ATTACHED IN-DEPTH COMPLAINT AND SUPPORTING DOCUMENTATION. NOTICES HAVE ALSO BEEN MAILED TO COMPANY VIA USPS CERTIFIED MAIL and Fax.
|
| 08/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
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|
I have a loan with GM Financial and I think it's a illegal repossession 1. I didn't receive a right to cure letter to even offer to bring the account up to date 2. when I called GM financial on XX/XX/18 on XXXX am the rep told me that no phone number was on my account, so they weren't contacting me.
3. my account was XXXX XXXX past due at the time of repossession 4. I contacted the lender previous and asked about options to keep the account in good standings and they wouldn't offer me ANY help..
I will take this matter to court and sue GM Financial for their negotiations with my loan
|
| 08/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
GM Financial which is my loan leader has violated my rights a consumer under the Truth in Lending Act. Pursuant to 15 USC 1605 ( a ) GM Financial is in violation of charging a finance fee for a loan which is illegal under the Truth in Lending Act. GM Financial has also violated 15 USC 1605 ( a ) ( c ) which states that auto insurance is suppose to be included in the finance charge. According to the law GM Financial is also in violation of 15 USC 1635 ( a ) which state that the consumer is suppose to be notify of their rights to recession. I have attach documents for proof of violations.
|
| 08/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
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I returned a leased vehicle back in XXXX ( it was actually the same day XXXX XXXX died thats why its so vivid for me ) Recently I attempted to lease a new vehicle only to find my perfect XXXX credit score had dropped into the 600s due to some phantom {$11.00} balance on the closed account that has killed my credit score. GM financial was of little help since they never notified me, emailed, sent a statement or anything of the sort. I would have never found out otherwise. When I called them eventually they said they would submit a letter on my behalf and reverse it. I see nothing done!!
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| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a car loan from GM FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GM FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
|
| 10/05/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
This is regards to GM Financial Account XXXX XXXX. In a prior complaint, GM Financial stated that a payment was made late in the amount of {$540.00} on XX/XX/XXXX, despite our turning in the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached letter from GM Financial ). We have no financial record of every making any payment to GM Financial in the amount of {$540.00} in or around XX/XX/XXXX, from any of our accounts. This payment was not made by XXXX XXXX or XXXX XXXX XXXX. We did receive a payout relating to this vehicle on XX/XX/XXXX, in the amount of {$XXXX} ( check image attached ).
|
| 07/21/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to XXXX XXXX ( GM Financial uses XXXX XXXX as a 3rd party for online payments ). The amount was never applied to my GM Financial account. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX, that payment was applied to my GM Financial account. I had made several attempts to contact both XXXX XXXX and GM Financial but have not been successful of getting a response. My Attorney wrote GM Financial a letter on XX/XX/2019 but as the present have not got a response from GM Financial.
|
| 02/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an account with GM Financial from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. Since payment, GM Financial has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.
|
| 10/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Back in XXXX I had XXXX XXXX from car accident. I called all my creditors and explained why I might be late due to the severity of my XXXX and not being able to pick up my paycheck. Once I did get my paycheck the crazy employer gave me my paycheck and it bounced. I called again and explained the situation everything was verbally agreed upon and I assumed that I was ok until I noticed that I was indeed marked past due. I have made several attempts to plead with this removal and they are still dragging it out. My record of payments is impeccable never late except this particular time.
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello my due date was changed this account was never late after multiple disputes GM refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have XXXX late payments and nothing derogatory on my credit report aside from this GM mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making GM do the ethical correct thing in regards to this issue .I appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.
|
| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
hello, Im having issues with my GM FINANCIAL account, its the only thing with holding me from a mortgage loan, I was having issues with my bank account in XX/XX/XXXX and XX/XX/XXXX, my debit card had been on a breach I had no access to my account I couldnt even use the ATM, that is why there was a 30 day late payment as far as XX/XX/XXXX I was over paying prior and when i saw my statement it said XXXX is due at the time but you still have to make a monthly payment so I was confused. I have typed a letter to the company explaining my situations Im just hoping to get this cleared up
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an auto loan with GM FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GM FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never late.
|
| 03/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Car loan was re-financed with XXXX XXXX and GM financial is still reporting that my account is open with them on credit report. They are also reporting two late payments on my credit report, which they were just moved to the end of the loan. I called twice and still can not get this resolved. It is impacting my credit profile and dropping my credit score.
Gm financial needs to report to all credit bureau 's that the account is closed, paid in FULL, and they need to update the bureau 's that there were not late payments. If not corrected within 30 days, I will seek legal action.
|
| 12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/21 we were approved for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX knew we were prequalified for the auto loan. Made many attempts at asking us to finance through them we strong advised we were NOT interested. He slammed his highlighter to the table and broke it. Now we have a letter from XXXX XXXX advising a credit check. So, I pulled our XXXX XXXX report and learned he ran us through XXXX unauthorized hard inquiries on XX/XX/21, as follows : XXXX ) GM Financial XXXX # Pending XXXX ) XXXX XXXX Ref # XXXX XXXX ) XXXX XXXX XXXX Ref # Pending
|
| 04/16/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
To my knowledge, I was never late on my GM Financial lease with account number XXXX****. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true so I am asking as a long time customer for this error to be fixed. I have had this auto lease since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. I would have never known unless I looked at my credit report. Nobody ever told me I was late. To my knowledge, I have always had 100 % positive payment history and have not only tried to pay way before my due date.
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law.
I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
|
| 02/04/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My lease expired XX/XX/XXXX. The car was turned in and I never received any further information or bill from GM Financial. I then received an alert on my credit report stating I had {$410.00} 30 days past due and dropped my score even though I had not received a final bill. Upon calling GM Financial on approximately XX/XX/XXXX I spoke with a representative who stated a final bill was never sent out. She further stated that she would fix the inaccurate credit report and send out the final bill. The account got reported as being in good standing but still showed a late payment.
|
| 09/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Servicemember |
|
I ended my lease in XXXX and purchased the vehicle from GM through XXXX XXXX XXXX. I was mailed a refund on XX/XX/XXXX, in the amount {$1.00}, XXXX and few weeks later another check in the same amount was mailed to me. I cashed those checks at my bank and later found out that a stop payment had been placed on them. This caused my accounts to be debited {$35.00}, and GM has refused to return my fees. I have submitted a letter from the Credit Union with the check attached, an explanation of the fees debited and they refused because I will not provide my account number to them.
|
| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XXXX XXXX, XXXX XXXX, XXXX XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 05/09/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
Received a letter ( XX/XX/XXXX ) stating my lease was paid off. They were wrong as the applied a payoff from another loan to my loan. I called GM Financial to let them about their mistake and they said they would correct the matter. I have send 2 payments in to keep currant on my contract ( ends in XX/XX/XXXX ). I now found they lost my payments and tell me I owe late charges. I want then just to clear my name and end my lease early. I have done business with GM for over 20 yrs and I wont do business again. I feel like calling the news channels and informing everyone I know.
|
| 03/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX Its a car Loan that I requested information on two times. I havent received any information. I disputed this a couple times. They picked the car up. I never got information to buy the car back. The loan was sold to gm from another company. I stop receiving information at that time. I requested the physical verification of the original signed consumer contract for the loan. I still havent received it yet. I was thinking section 609 ( a ) ( 1 ) Protecting me.
The account is GM Financial account number 44406****amount XXXX Dont they have to remove it under FCRA?
|
| 08/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
GM Financial took money via ACH without my authorization and my account was over-paid. Then, they said it would take 14 days to pay me back. I paid my lease in full on XX/XX/2018 and cancelled further ACH withdrawals. They must not have updated their system on time and still pulled the money out of my account on XX/XX/2018.
I understand mistakes happen, but I paid my lease payment on the due date every single month via ACH, not a single day late for the entire team.
They take money out of my account on a unauthorized basis and take 14 days to pay me back?
unacceptable.
|
| 06/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
i made acheck payable to gm financial using my personal checking acount some XXXX alter the check the check was supost to be for XXXX the made the XXXX look like a XXXX there my acount was debited XXXX dollars gm financial is stating they havent received the payment i contacted XXXX XXXX wich is my bank they saying that the check was cashed i went multiple times to the branch with no help they saying investigating but gm is charging me all kinds of late fees the last thing that XXXX XXXX did was correct the amount but a month later gm still calling me about the miss payment
|
| 12/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
GM Financial over the lst six years has fought me on what my accurate account history is. I had a co-signed loan that was also reported to the co-signers credit.
The information this company reported, has reported, and continues to report to both of our credit files is different.
They refused to acknowledged the fact that the payments they claimed were late were in fact not late until years after the loan was paid off and the account closed. At that time after submitted over a dozen disputes that were denied they came back in agree-ance that the payments were not late.
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I am trying to pay my car loan off sooner and I have paid extra online and I called before I paid and after I paid and checked online to see where the money posted. Gmfinancial made the money post to 2 months and sent me a statement with the next month bill a zero amount due.But they charged me extra interest. I called them to fix it and they then placed in all on XXXX month and then made my bill be late. I called again to fix it they then put it back to paid in advance and not put the extra on principle. They act like they do n't want me to pay extra to principle monthly.
|
| 12/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had a auto loan with GM Financial that was paid in full. The company quoted the full amount then months later contacted me stating the amount that was quoted was wrong after the check was submitted. I had no recollection until months later. I then paid the remaining balance. The results of their error caused me multiple late fees and for GM Financial to report a repossession which never happened and I still have my car. I reached out multiple times disputing this error requesting they remove it from my credit report to no avail. I need assist with correcting this error.
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 04/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I purchased a XXXX ford Windstar from Americredit. Within a few months the transmission went out. I Made payment arrangements and explained it was in the shop having the transmission replaced. They showed up at my house and said they need the address of the shop. They assured me they just needed it on file. I had already paid over XXXX for the repair and had just made a payment. They went to the shop and repossessed it. I was not too far from paying it off since it was used. They auctioned it off. They added lots of fees so that I was unable to get it back before auction.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have been contacting XXXX, who appear on my credit file as XXXX, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires date of XX/XX/2017 Neither of these did i authorize or give permission. they are a result of fraud.
|
| 11/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XXXX XXXX, 2017, I went to purchase a car and had my preapproval from XXXX XXXX. I ended up not getting anything because the car I came to the lot for they was unable to find. It somehow was driven to a different lot. However, they I see XXXX XXXX submitted my credit and ran it thru numerous companies which I did not authorize as I had my preapproval paper work and did n't get to use it due to the car not being there. A company named XXXX out of XXXX XXXX, Ca ran my credit, XXXX aka XXXX XXXX XXXX XXXX, Tn GM Financial, XXXX XXXX, XXXX XXXX. None was authorized at all
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the XXXX Payment.
|
| 06/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ON XX/XX/XXXX I CONTACTED GM FINANICAL BECAUSE MYSELF AND HUSBAND NOTICED WE HAD A LATE PAYMENT SHOWING ON OUR CREDIT REPORTS FOR XX/XX/XXXX.
I WAS INFORMED THAT IT WAS INCORRECT AND IT WAS A DEFERRED PAYMENT AND SHOULD NOT BE SHOWING A LATE PAYMENT. IT WOULD BE UPDATED IN ABOUT 30 - 45 DAYS.
XX/XX/XXXX IS STILL SHOWING AS A LATE PAYMENT. I HAVE REACHED BACK OUT TO GM FINANICAL AND DISPUTED IT WITH THE 3 CREDIT BUREAUS AND IT STILL HAS NOT BEEN UPDATED.
I ALSO SENT A FOLLOW UP EMAIL TO XXXX XXXX FOR THE XX/XX/XXXX AND XX/XX/XXXX. I HAVE YET TO HEAR ANYTHING BACK.
|
| 12/25/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I took out a lease from GM Financial back in XX/XX/XXXX, my lease was up in XX/XX/XXXX which I returned then waited to get the final bill. After not receiving it I called GM to find out about the bill. They informed me not to worry they will mail it out to look out for it. In XX/XX/XXXX When I still didn't receive the bill I called again. They informed me that they will be mailing it out. I got the letter along with the bill on XX/XX/XXXX I immediately paid this bill. My issue is that GM has reported me late i XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which isn't accurate.
|
| 01/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
my identity was stolen and i have notified GM financial, they have failed to remove the account off my credit profile, ..
i was told the the car was repossessed in XXXX ... well i live in XXXX this account is as a result of identity theft and was not opened by me.
GM Financial collectors call to make illegal threats.. these are against FTC rules . i have furnished them with notarized statements & police reports .. even court papers but they refuse to remove their false negative reporting also this account was included in bakruptcy and should have been removed anyway
|
| 08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I disputed a GM Financial account with XXXX. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments.
GM Financial removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at GM financial or XXXX seems to be able to solve this math problem for me.
|
| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
GM financial refuse to correct the amount of the loan. The dates of the long the last payment made refused to send me any information regarding the loan regarding the sale of the car after repossession they did not notify me prior to selling the car each time I requested it, my request was denied. I contact each credit bro agency to get it updated to get it corrected. Nothing is done like it is the company has verified information. The company has not verified any information with me or giving me any type of documentation, showing the long the amount owed or anything
|
| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have tried contacting GM Financial but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy.
The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company.
I do not any account information. Please use my name to find the info you need.
|
| 06/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a vehicle leased through XXXX XXXX XXXX. They had a major problem with their billing system this past winter. I received paper statements as well as online GM website information to monitor my account. Both sources showed my account was up to date. After they fixed their system, I received a new paper statement showing a new amount owed. I immediately payed that amount. I should not be punished for their failure to maintain their billing system. I did everything that could be reasonably expected given the faulty information that I was provided by GM Financial.
|
| 06/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
|
| 06/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I reached out to this financial institution on numerous occasions, via phone call in XXXX of XXXX and also by via USPS Certified Mail letters. I informed this company that they have in fact violated the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) pertaining to the alleged loan they claim I owe on my vehicle. I received no response from this company.
On XX/XX/XXXX I forwarded a certified document to this company- a letter of violation, demand and written instructions along with an affidavit of truth to validate the federal law they have violated.
|
| 11/03/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, 2016, my XXXX XXXX was involved with a accident that occurred as the result of the gas accelerator sticking. The car has been in the dealership since that time. GM failed to respond to my request to investigate the situation until XXXX XXXX, 2016. The problem is that I am still having to pay a month lease payment and weekly car rentals of XXXX week. I called to see if GM could defer the payment of nearly XXXX per month and I am told that they do not defer payment of lease vehicles. Is there something that can be done because I an suffering financially?
|
| 07/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am disputing GM Financial on my credit report I received notification from them that they did provide correct information to all three credit agencies for my payment record and my date for when the account first became delinquent. After reviewing my credit reports this was not true. The collection agencies have Re-aged this account and it is showing XX/XX/2014 as the last payment made. This does not match the date of my last payment to the original creditor. I am in the process of moving and this error is causing a problem with my credit report reporting properly.
|
| 09/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Account # XXXX I have called the creditor ; GM Financial at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. I sent a letter explaining the late payments 2. The account is closed 4. The car was totaled and I no longer own or have After XX/XX/2022. Please remove from credit reports. I spoke with XXXX the supervisor. He stated that if he did it for me, then he would have to do it for everyone else. So, it was made clear, that GM could delete the account, but they just don't want to.
|
| 04/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
These accounts were opened in approx XX/XX/XXXX-XX/XX/XXXX by AmeriCredit. They have since been sold to GMFinancial. I have the partial acct # of XXXX and XXXX. XXXX was paid in full however XXXX was first delinquent BY the XX/XX/XXXX. GMFinancial is reporting incorrect dates on my credit reports. There have been no activity on these since XX/XX/XXXX. Since it has been over 7-8 years from first delinquency they can not be reporting these to the credit bureaus any longer. I have attached what the report is currently showing and as you can see threy lied on dates ...
|
| 10/17/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Older American |
|
GM Financial I paid on time for all of my mease payments I was approved to purchase the car at the end I gave the dealer a XXXX payment I signed documents Car was under XXXX XXXX XXXX GM Financial decided they can take the vehicle and sell it during COVID when they were getting double on the cars- and make money from me making pay for milleage NO I was already approved to get the vehicle and they did not want to give it to me- Oh they are saying they did not approve it NO they did approve it the deal was closed Crooked dishonest people and the dealer said the same
|
| 12/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor ( GM Financial ) has violated my rights. Under 15 U.S.C S 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open consumer credit account as late for any reason.
GM financial has reported my payment as late to all three consumer credit agencies which is a violation of my privacy.
|
| 10/21/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Turned prior lease vehicle XX/XX/XXXX was told I would be told about any damage charge within a month never received an update to the app as I have anouther lease with them and checked monthly - paid flawlessly on that auto and current auto - come to find out there was a damage charge only received 1 letter months summer XXXX mid pandemic telling me it was sent to collections and then I went to look at app and it said it was a past due status! I have never been past due on auto I can pay amount in full but I want a correction to my credit burea to reflect current
|
| 02/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX, VIN # XXXX from XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The amount financed was {$37000.00} on today during routine maintenance damage was found to the front of the end of the vehicle from a mass car accident. I was provided a XXXX report that indicated the car was a significant incident. At inquiried at the time of purchase for the XXXX and never was granted one. This is a total rip-off, had I know about this issue I would never purchase this vehicle. Both the Finance Company and dealership are at fault.
|
| 11/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts.
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
I appreciate your prompt attention to this matter, and await your reply.
|
| 07/02/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by Gm Financial as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXXXXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for Gm Financial and XXXX XXXX XXXXXXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Americredit-accessed my credit report and is stating i applied for a car loan. I have not applied for a new car loan i Just paid my current automobile off. Americredit needs to remove the hard inquiries from XX/XX/2023 and XX/XX/2023. This inquiry was not authorized by me since i have never applied for anything with Americredit.
All inquiries need to be removed from all credit reporting agencies. This is fraud/ identity theft and an unauthorized inquiry of my credit and personal information. This is a breach of my privacy rights and the Credit reporting act.
|
| 10/20/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I was late on a payment and my wifes credit score was effected they reported her and now she was in the middle of a refinance and this credit Report from GM financial effected her rate. I guess it was XXXX or XXXX that they reported it. I was waiting on unemployment and they never reached out to me to let me know they were going to report us. We have been paying them for over a year and everyone knows its pandemic and these are tough times for everyone so I think that it should of never effected mine or my wifes credit report. Could you please help thank you
|
| 12/15/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My car lease agreement ended with GM Financial and returned vehicle on perfect conditions to the dealer on XX/XX/XXXX, a few months later I got this letter saying that I own them {$1200.00} on fees, taxes and repairs. I purchased on XX/XX/XXXX a excess wear and tear addendum with my lease agreement for {$7500.00}, I wrote them back to get detailed information on what exactly they did to the car if I had the addendum protection and I havent heard from them, this situation affected me by 151 point on my credit score already. Also I summited a dispute with XXXX.
|
| 06/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I recently had a lease vehicle repossessed by XXXX XXXX XXXX out of XXXX , MI. The fellow who repossessed the vehicle stated he knew my nephew and such. I was cooperative and was not at all angry. I did today receive news that this agent went to my nephew and told him he had repossessed my truck and was looking for my wife 's truck. My property is posted no trespassing which he violated as well. My problem with them is that they violated my privacy by telling my personal business to people. What is my options for recourse with this agent and company?
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I purchased a vehicle from gm financial hit hard times and returned it..never once have i been late now they are reporting us as late because the dealership decided to ground the vehicle late and are telling us they can't do anything for 60 days.. we have submitted proof that we returned the vehicle before it being late they stated they have it. Not only this impacted my credit score but hurts my credit assistance when applying for credit. Gmfinancial should be held responsible if the 30day late payment is not removed immediately I will pursue legal damages.
|
| 10/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 09/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 09/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 04/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 03/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 02/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 01/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 12/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 12/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
I have been calling GM Financial about this Repossessions on my credit and they keep telling me to disputed it and I do and they do nothing about it.i have called them A few dozen time about my account which is pay in full and I have paperwork stating that I have my truck and a letter from them saying it paid off they will not assist me at all. Im trying to purchase a house and this is really stopping me at this time hurting my credit score. And me and my family is suffering from this because we need this off my credit to move forward please please help us.,
|
| 11/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 06/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have tried to pay the lease amount for the month of XX/XX/2018 but there was GM website error that showed XXXX $ due that let me to understand that there still time to pay.
Also GM Financial did not report to credit bureau every month due to some convergence issues. I have been monitoring my creit report every month for past 6 months and this did not show up. I also did not get a curtesy call from GM that my payment was late.
Considering all these issues, I request GM Financials to help remove the latepayment as a onetime curtesy due to these errors
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I started a dispute with XXXX regarding a dispute with GM financial XX/XX/2021. I paid my lease on time and handed the car back. I showed proof to both Gm and XXXX that my car was returned and the loan was satisfied. 7 months later I was billed the disposition fee which I included the dated bill and proof to both companies. The not only did they not correct it but destroyed my car buying credit. I have sent multiple request to correct this since XX/XX/2021. Please help They noted I was late from the time the car was returned, up until the disposition fee
|
| 04/06/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
GM Financial refuses to respond to my multiply emails, phones calls and letters asking for corona-virus impacted financial situation, and potential request for resolution on the amount GM Financial is pursuing to collect.
GM Financial it seems is NOT complying to the current economic and governmental issues that are effecting the XXXX Loans that they service. Despite my requesting financial help/assistance from them on my current outstanding balance due to the Corona-virus impact, and an XXXX settlement, I have not heard anything from them at all!!!
.
|
| 10/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed an initial complaint on XX/XX/18, complaint # XXXX-XXXX with your organization, in which I disputed two payments GM financial reported as missed on my credit when payments were made. I received notice from CFPB that the company stated credit would be repaired and missing payments removed. They were removed and my credit was repaired on XX/XX/18. I considered the matter closed. Now on XX/XX/18 GM financial is now reporting XX/XX/2018 as a late payment and still reporting XX/XX/2018 as a missed payment when their response said that would be reversed.
|
| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
|
| 01/25/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American, Servicemember |
|
XX/XX/15 I purchase and XXXX XXXX XXXX from the dealership of XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Ca. The lease was denied by the Dealership and GM Financial on XX/XX/15, I try to return the the vehicle to the dealership and the return of the downpayment of $ XXXX.GM Financial Stated that I had sign a Auto Lease and The Lease is valid. I inform GM Financial 0n XX/XX/15, that you GM Financial has Denied the Lease Application, Credit- Application and there was No New- Application written after therefore any Any agreement there after is invalid.
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
ON XX/XX/2022 I WENT TO THE DEALERSHIP TO INQUIRE ABOUT GETTING A NEW CAR. I WAS APPROVED THROUGH XXXX XXXX XXXX FOR MY NEW CAR. I WENT HOME AND VIEWED MY CREDIT REPORT AND NOTICED SEVERAL HARD INQUIRIES FROM COMPANIES I DID NOT BENEFIT FROM. I ACTUALLY REACHED OUT TO THE COMPANIES ONE IN PARTICULAR NAMED GM FINANCIAL AND TOLD THEM TO REMOVE THE INQUIRY BECAUSE I DID NOT BENEFIT FROM THEIR COMPANY AND THAT I HAD ALREADY GOTTEN A CAR LOAN THROUGH ANOTHER FINANCIAL INSTITUTION. GM FINANCIAL REPLIED THAT THEY WERE NOT REMOVING THE HARD INQUIRY FROM REPORT.
|
| 10/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My dispute is with GM Financial I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month.
I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.
|
| 06/20/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I recently paid off my debt with GM financial and have a balance of XXXX which are the remaining balance of the late charges. I have let this company know I lost my job and have no income. At this time ans over and over again as well as getting repeated calls this is going against my credit. I can not get a release of the title or negotiate for less on the inflated finance charge. I have been told if this balance is not paid by XX/XX/XXXX it will be charged off and I still will not have the title to my car. The calls are repeated each day over and over,
|
| 04/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Gm Financial continued to call me after informed them several times in XX/XX/XXXX and XX/XX/XXXX that I am victim of XXXX XXXX, and I am XXXX. They violated my safety when they called my ex who the restraining order is issued against providing him with my address and asking him if he has seen the car, spoke to me and GM representatives asked him to contact me. I informed GM via email to NOT contact my ex I have restraining order against him and they still continued to contact him. They violated my safety, health and well being of my XXXX minor children.
|
| 03/01/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so.
These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report.
Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports.
I want their inquires removed.
|
| 12/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I had a banking issue with XXXX XXXX Which i had mitigated on the XXXX of XXXX. Which in turn have funds return on the XXXX of XXXX, due to a misunderstanding with a dispute dating back 3 months which they in turn disputed a all transaction with in that time frame. Due to this mishap my vehicle was repossessed by GM FINANCIAL. Ive sent in proof of payments via bank transactions and proof they I myself approved said transactions. They claimed they never recieved payments when i recieved emails from other merchants as well stating they recieved payments
|
| 05/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Credit report display six late payments ( XXXX, XXXX, XXXX XXXX ). I have written the company a hand written letter via USPS in XX/XX/XXXX to get these negative remarks removed with no success. I have also sent and goodwill email to the CEO explaining the situation and was again told they could not removed the negative marks from my credit report. I explained to the company that during this time I unfortunately did not receive the bills consistently which resulted in me paying the bills late. Thank you in advance for your consideration and assistance.
|
| 11/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I moved from XXXX to XXXX State and changed my address with GM credit. My bills have been returned to the sender and one call was made to me to pay before the bill became past due. The problem continued to this day and I still have not received bills. GM credit reported me to the three credit agencies and told me I should have known the date. All payments were made by phone the day the call were received.. I've written them to have this taken off and they just send me verification of the loan without removing the late payments from the credit report.
|
| 03/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
This is my second complaint about GMfinancial. I make extra payments each month and ask them to place the extra amount past my regular payment and they keep placing the extra money on the next months due and future payments. I specially am making extra payments to the principle so that I can pay my car off sooner because my income will drop. Please how can I get this resolves so that I do n't have to complain each month or call them each month and they still get it wrong.
I need help. They just want to take the extra interest money from me monthly.
|
| 03/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was giving an opportunity of extension of payment on my car payment account and after paying the fee I was sent an email to confirm the program, I never received the email because they sent it to the wrong email which was their fault so 32 day went by and it was reported but I said the fee before the lateness and I lost XXXX points on my report I called to explain my situation they released it was their fault and they told me it would take 30-45 days to fix this problem. and I don't think it will happen. aim in the process of buying my first home
|
| 05/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have been dealing with gm financial since the inception of my loan. We did get behind on our loan and have brought it up to terms as agreed apon. But they have refused us access to look at our account stating we do n't need to do that. They also still giving me a hard time want to charges fees to pay my car note. I feel that in not allowing me access to view my account and charging me fees to pay loan is illegal. They give me no proof I am paying my car loan. They are also said they do not need abide b y US regulati ons since they are in XXXX .
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| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
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I have recently been informed that there is negative information reported in my Credit Report by GM Financial in the file that they maintain under my social security number. Upon reviewing a copy of my credit report. I have been notified that the billing address was incorrect. I have never received a billing statement from GM Financial. I understand that mistakes happen, but their inaccurate information could cost me higher interest rates and I have enough expenses as it. this is affecting job opportunities and my living situation for my family.
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| 01/04/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I 've received a notice on my credit report that I 'm 60 days past due on a GM Financial Account. I have never missed a payment ever, and I am not late. This is incorrect. I spoke to a customer service rep 3 weeks ago about this and was told that my account is 100 % paid in full, {$0.00} balance. I need this corrected. If this prevents me from obtaining credit due to their false reporting, I will hire an attorney and seek the maximum amount possible due to the false reporting & statements made by their customer service employees by GM Financial.
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
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| 05/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I have recently filed a legitimate dispute on GM Financial on the removal of an old account that was settled after the first late payment over 84-months ago. GM FINANCIAL is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
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| 07/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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GM Financial has reported late payments for XXXX, XXXX andXX/XX/2018 when in fact all payments were made on or before the due date. I have contacted them and they acknowledge that payments were made on the due date but state that because some months have more days the account is over 30 days if a month has more that 30 days in it my payment would have to be made a day early in some months. They refuse to correct their reporting!!! I have not made any payments beyond my due date and request that my record be immediately updated to reflect that.
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| 07/01/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
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Leased a new vehicle from GM Financial. I asked to change the payment due date to later in the month when I received my next paycheck. I had made one payment at the dealership. The customer service rep told me that I had to make an additional payment prior to changing my due date. I have leased a car once before and this was not the case. This is an arbitrary rule that hurts the consumer. So because I decided to buy a car on the XXXX my payment is now due every month on the XXXX. Also the rep did not inform me that the call was being recorded.
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| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. This showed it was done on XX/XX/2023.
On my XXXX report, I show the following inquiries ; GM financial, XXXX XXXX, XXXX XXXX, GM financial again, and XXXX XXXX on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.
Company Accou
nt # Gm Financial XXXX I would appreciate you sending me an updated copy of my file as soon as you have completed the investigation.
Sincerely, XXXX XXXX
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| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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My accounts were hacked and my bank accounts emptied I had to put a freeze on my account to try to recover the money and during that time had no access to funds. I sent a letter to all parties involved letting them know that my bank was frozen between XX/XX/XXXX and XX/XX/XXXX making payments late due to fraudulent activity. They have not yet changed my credit information to reflect the fraud and are still reporting me late causing my credit score to go down. I cant get them to fix the problem its as if theyre not understanding what happened
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| 04/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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GM Financial I paid off my auto loan on XX/XX/2022. They stated that it would take up to 17 days to receive the loan payoff.
They confirmed on XX/XX/XXXX that the lien satisfaction/ payoff was mailed to my address of residence on XX/XX/2022.
As of Saturday XXXX, XXXX, XXXX The letter has not come.
They send I can request a duplicate title via a web site, only after update and that takes up to be available, in this case XX/XX/2022.
Please note this is a motorized document that they send USPS with no delivery confirmation or Tracking!??
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| 04/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I was shocked when I reviewed my credit report and found late payment on the dates below : GM FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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| 08/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I paid off a vehicle loan via ACH on XXXX XXXX, 2016. Funds were debited from my bank account on XXXX XXXX, 2016, Therefore, the lender had no right, title or interest in the vehicle from that date forward. It is now XXXX XXXX, 2016, and I still do n't have the title. There is no excuse for GM Financial to hold a title for so long after a payment is made, in today 's world, when payments are routinely processed overnight, especially in light of Check XXXX. A couple days, maybe, to be sure payment cleared, but three-four weeks is excessive.
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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GM Financial is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe.
If GM financial is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX
|
| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GM Financial Leasing filed inaccurate dollar amounts as delinquent notices to credit bureaus. I have called numerous times and supplied them with an explanation of events surrounding the claim twice. I supplied GM with screen shots from XXXX from my credit report. GM has responded but their explanations for not being able to resolve the issue or proceed with my request have been : No specific item was requested for investigation, no supporting documentation was received, the direct dispute is substantially the same as previous dispute.
|
| 09/14/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I turned this lease on XX/XX/2020. When I turned the lease in there was no payment due and all financials have been resolved when I got into my new lease. When I called GM Financial they told me that everything was all set and I did not owe them any more money. They then reported this as a 30 day late in XX/XX/2020. I don't know if this was due to me turning in the car on the last day of the month. But this was not 30 days late. GM Financial agrees that this was not 30 days late but it still shows on my credit report as a 30 day late.
|
| 07/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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GM Financial is the company I used for my auto loan. They were incorrectly reporting information on my credit which caused so much damage to my financial situation. I paid off my car loan over 3 months ago and have yet to receive the title for my vehicle. I contacted them and was told I had to wait 45 days. It's now 3 months and still nothing. Dealing with this company has been a total nightmare and would never recommend anyone to take a loan from them. They completely damaged my credit and I'm not sure how to fix what they have done.
|
| 03/17/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I am buying a house an needed to sell my vehicle for the ratios and closing. I overnighted the payoff check to GM Financial on Saturday XX/XX/XXXX, it was signed for by a XXXX XXXX on Monday XX/XX/XXXX at XXXX XXXX. I contacted GM Financial every day this week and they said they hadn't received it. Today they finally found it and did me a " Favor '' by posting the payoff to my account, which wont show up for at least 3 days. In the meantime I am being charged interest. This may delay the closing on my home costing me additional funds.
|
| 05/04/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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I have a auto loan with Gm Financial. The repo 'd my car and left a balance of. This attorney XXXX & XXXX sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with GM Financial And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I had GMfinance on my credit for 7 years reporting negative remarks and after the 7 years they filed a 1099 to where it now shows I owe money to the IRS. This is past the 3 year time frame to report a 1099 to the IRS and the amount reported is incorrect. When it was on my credit it was reporting the incorrect amount as well because they sold the vehicle and never filed with GAP insurance due to the accident I had in the vehicle. Did not agree to a charge off. Comments of Charge off paid in full was placed on to account after 7 years.
|
| 11/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
|
| 08/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
By my recent experiences ... GMAC and XXXX are totally unwilling to lower or eliminate monthly pmts during this deadly CORONA crisis.
GMAC has tried to twist my arm to pay - even though I have no income nor money to pay.
In my talks with their rep XXXX XX/XX/2020 their rep admitted that they don't really know what to do.. She grilled me if I have -- - Unemployment, XXXX ect. Everything she could think of to try to force me to pay ... To me these arrogant hard nosed companies are extortive Financial XXXX ...
MAKE THEM HELP US!!!
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| 01/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I purchased a XXXX XXXX XX/XX/XXXX and due to mechanical issues that car had to be turned back to the dealer to give me a new vehicle. It took 30 days for this to happen. Without my knowledge and being present the dealership ran my credit a second time on XX/XX/XXXX. I brought this to the dealership 's attention and they have removed their double inquiry from my credit report from XX/XX/XXXX but GM Financial has not. I did obtain a letter from the dealership regarding this issue but nothing has been done to remove this hard inquiry.
|
| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Back in 2011 we paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
|
| 02/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Gm financial reporting false info on credit reports this has been disputed and changed several times now in the last few years it was just disputed and changed again on XXXX threw XXXX the info they just sent to the cfpb does not match what there reporting to credit bureas ( do not respond with a copy of the contract as a reply to this complaint that has nothing to do with the wrong info being reported by gm financial ) a response would be dates this has been disputed dates it was wrong dates it was updated for being reported wrong
|
| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Back in 2011 I paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.
|
| 10/29/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Turned in XXXX XXXX XXXX that was on lease in exchange for a new XXXX XXXX XXXX lease. XXXX XXXX XXXX Agreement with dealer included pay-off of XXXX XXXX XXXX Unpaid Lease Balance. For over 30 days GM Financial Lease has refused to remove the XXXX Lease from my account, pending settlement with the dealer. I am now past due, being assessed late fees and threatened with negative reporting to credit bureaus. My credit history will be damaged by XXXX XXXX if GM Financial does not settle and close my lease account on the XXXX XXXX XXXX.
|
| 07/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I having been working with GM Financial regarding my loan. I was told numerous times by representatives that I would be able to get a deferment on my loan after I have made 6 payments to them. I have been making payments to them when I can due to financial difficulty. I have also had the website again blocked and paying each time I pay my car note XXXX dollars in fee to use my CC. They said also by representatives that they can what they want when they want. This is my second complaint against them still with no real resolution.
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights.
In accordance with the fair credit reporting act, acct # XXXX OF Gm Financial, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
|
| 01/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
This company gave me an extremely high interest rate. Then after a two years of never missing a payment I received an email from the dealership stating since I made all my payments on time they would try to get my payments lowered. When I contacted the finance company to discuss this matter they stated they were unwilling to get the payments lowered for me and to contact someone else to get it refinanced. Now the payoff is so high based on the interest rate that I ca n't afford to trade it or sell it without taking a major loss.
|
| 03/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY!
|
| 12/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
GM Financial declined payment assistance during Covid-19 pandemic. Predicated any assistance on the payment of a predatory {$89.00} fee. This has caused 4 late payments to show up on my account. They also charged fees for payment assistance during other federal natural disasters. Additionally, what makes matters more frustrating, is that their website was down for payments on multiple occasions. This caused a 30-day late to become a 60-day late for XX/XX/2020. I believe this was done intentionally to cause additional late fees.
|
| 09/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Gm Financial XX/XX/XXXX - GM financial
|
| 05/06/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
GM Financial provided certificate # XXXX for four months lease pull ahead for use if I purchase or lease a new vehicle by XX/XX/2019. The certificate states, " XXXX will cover up to 4 lease payments up to {$2500.00}. '' I leased a new vehicle on XX/XX/2019 and met all the terms of the certificate. On XX/XX/2019, XXXX months after I turned in the previously leased vehicle, GM Financial refused to honor the lease pull ahead and sent me a bill for {$1200.00}. I have been stuck in the middle between GM Financial and the dealership.
|
| 08/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Dear CFPB, In XXXX of 2021 I called GM finance and informed them because of covid I would be out of work for a few months. I informed GM for covid forbearance for my truck payment. And they informed me that there would not be late payments until I reached out again. During this time I was seriously struggling to feed my family because of a job layoff.
I would like GM finance to honor their word that they gave me. Their lack of action make me feel taken advantage of by GM finance as I have recently gotten out of the XXXX XXXX.
|
| 08/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
gm financial has failed to correctly report a paid off / paid in full as agreed auto loan account for 8 months. My credit report still shows and open unpaid load since XX/XX/2017. I have contacted GM Financial 3 times to resolve the issue. I was told GM Financial switched their credit reporting software and were fixing issues that occurred where accounts were incorrectly or not reported to the credit reporting agencies. Each time I called them I was told they put in a ticket internally to get it fixed. It is still not fixed.
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
|
| 03/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX of XXXX my credit union, XXXXXXXX XXXX XXXXXXXX XXXX, mailed out checks to GM Financial to pay off a loan for a XXXX XXXX XXXX XXXX that I was purchasing from someone that had a loan through them. The previous owner said he didnt have the title for the car and that GM Financial had the title until the car was paid off. My credit union and I have tried multiple times to get ahold of GM Financial to get the title and pay off sent to us and still have not been able to reach them or hear anything back from them.
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Please DON'T CANCEL THIS REQUEST AS DUPLICATE.
GM FINANCIAL has re-reported incorrect information about my auto loan. Although previously disputed after CFPB reporting the company fail to maintain the correction of my dispute results which were to remove the XXXX late reporting for XXXX and XXXX both deferred payments. XXXX XXXX and XXXX were to be removed u see Cares Act and documents were sent to company and bureau to correct and both failed even with documents clearly stating THIS. I need CFPB to push the required law
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, a first payment was made, which we found out today that it was never processed at that time and there was no notification ( by mistake in the account number entered in the system ) from GM financial and then XXXX additional payments were made on XX/XX/XXXX of XXXX to maintain the account in advance. In XX/XX/XXXX we were traveling and we thought that the account had a month in advance, so a XXXX-day delay was reflected in an error due to non-notification of the first payment not processed and not notified.
|
| 12/02/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
The lease was turned in on XX/XX/2020 to XXXX XXXX XXXX, and the dealership provided me with a dated document stating that there were 2 keys turned in with the vehicle.
I called in on XX/XX/XXXX and was told where to send the documentation showing that there were both keys with the vehicle and that they would provide a response within 24-48 hours. I have yet to receive a response and they did confirm that the documentation was received for both keys.
Now, I have a balance due for something that is not a valid charge.
|
| 02/23/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I leased a XXXX XXXX from GM financial on XX/XX/2016 from XXXX XXXX. In the lease documents, its states a total amount that I will pay for Official fees and taxes as {$790.00}.
After reviewing my lease papers, GM financial charged me a total of {$210.00} taxes on capitalized cost reduction, title fee {$15.00}, license and registration fees {$100.00}, sales use tax of {$360.00}, and a disposition fee w/ tax of {$410.00} for a total of {$1100.00}. I was overcharged for fees and taxes on my lease by an amount of {$330.00}.
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Older American |
|
I am paying off a GM loan for a car I had to return due to financial hardship in XXXX. I have made every monthly payment but missed the XX/XX/XXXX- I was changing the bank account from which I wanted to pay my bills- and didn't catch the missed payment. GM sent the loan to collections The loan now shows as " Derogatory '' on my credit report. I need another car as my vehicle was totaled in an accident on XX/XX/XXXX and I'm having tremendous difficulty getting an auto loan that I can afford due, in part, to the GM issue.
|
| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
i lease a 2017 XXXX XXXX ; the lease time was up. I turn the car back in to GM Financials services as I was told to. They gave me papers showing that everything was alright and that I owed nothing.
I recently received my credit report and noticed that GM Financial is stating that I owe {$2200.00}.
When I turned the car back in I was given papers of inspection that everything was alright now they are stating that I owe {$2200.00}. This is wrong I do not owe them anything. This should be taken off of my credit report.
|
| 07/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have asked Gm fincial for multiple help on lowering the payment I have a 19 % Interest rate and unable to afford the high monthly car payment. They now call me 2 to 4 times a day as soon as I am 1 day late on a payment this has been going on since XXXX 2017 at one point they offered me a 3 month forbearance then when I was able to actually do that they told me I was n't allowed that option anymore. I am u employeed am trying to make payments but they are not willing to work with me and just harassing me on payments.
|
| 04/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I called GM Financial again. After i requested to speak to XXXX or a XXXX the XXXX and i got into an argument and began talking over each other. She told me when I can act like an grown woman I can call back and she hung up after i waited XXXX minutes to get to her. I am calling back and have been on hold again for XXXX minutes.
She seems to feel she can take any tone or making any comments to me that she wants and then hang up. I am already being screwed over by GM Financial, there's no need to disrespect me also
|
| 02/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
Leased a vehicle through GM. My company paid the lease in full ahead of time and no money was owed. Lease turned back in to dealer in excellent condition. I have an amount owed showing up on my credit report being late over 180 days late for {$310.00}. Last statement received in XXXX with a XXXX amount owed, as I turned the lease in that month. No statements at all in regards to this amount that is showing up owing. I continue to have access to my online account for this lease and there is still XXXX owed online.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
On XX/XX/2023 I went to a car dealership XXXX, la to purchase a vehicle, I was unaware that after me being declined by the first bank, This dealership would continue to shop my credit information around to other lenders without my knowledge and after I had left their place of business. The result of the auto dealer practices has caused unnecessary burden on my personal and business finances, I walked into the dealership with a XXXX credit credit score and discovered a week later my credit score had dropped to XXXX.
|
| 01/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GM is showing the account was charged off. As of XXXX XXXX,2020. The account was open and I made a payment on the account. I was in a car accident on the XX/XX/XXXX. I had full coverage on my account and gap insurance. My insurance company sent a check for the difference owed on the account. Which will make the account paid in full. They are reporting as Charge off account. ( reporting a balanced ) The account was paid in full. Im requesting the account be removed total from my credit report.
Thank you, XXXX XXXX
|
| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, XXXX, CASE XXXX. YOU WERE SENT A INFORMATION ONLY NOTICE AND NOW HAVE RESTRICTEED SAID ACCOUNT XXXX, SEE ATTACHED!
ALSO, PLEASE BE ADVISED THAT THIS LEASE IS LISTED ON SCHEDULE C : '' THE PROPRTY WE CLAIM AS EXEMPT. ( FORM 106C ).
AS A RESULT OF THIS CONFUSION, MY LEASE PAYMENT IS NOW LATE, AND ASSESSED FEE 'S.
EFFECTIVE TODAY UN-RESTRICT THIS ACCOUNT AND REVERSE ALL LATE FEE 'S AND CORRECT ALL CREDIT REPORTING TO REFLECT PAYING AS A AGREED NEVER LATE.
|
| 05/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX 2014 I entered into a settlement agreement with GM Financial. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. GM Financial has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement. last XXXX SS : XXXX
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and XXXX.
This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.
|
| 08/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a loan with XXXX/XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX, XXXX, XXXX reporting me late. There was definitely an error on their part. I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX ) and I was never 90 days late ( XX/XX/XXXX )
|
| 05/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/2023, at approximately XXXX, GM Financial repossessed my vehicle using a third-party agent, XXXX XXXX. My vehicle was located on private property not owned by me and the tow truck driver trespassed onto the property without permission to verify the tag of the vehicle from the rear. There was no other way to verify the right vehicle without trespassing. He then backed the tow truck to the beginning of the driveway and extended the tow arm enough to drag the car off of private property and into the street.
|
| 05/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2019 I receive a call from GM financial that my payment is late. It cant be Im on auto pay. This is the third time I have put my account on auto payment and GM has taken it off without my consent only to charge me a late fee and ruining my reputation. I noticed there are a lot of complaints for the same thing from others. In this short space I can not site each law that has been broken but Ill be happy to list each on in our suit if it becomes necessary. I will not be defrauded by this company any longer
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I identified discrepancies with this account and validation was requested as I informed the company that this debit was not valid and paid off by my car insurance, I even provided paperwork. I reviewed my credit report again and the account continues to reflect on my credit report. I have not received any correspondence from the creditor to validate this account. Please strike and remove this account from all three credit bureaus until adequate validation has been received.
Dispute XX/XX/2022, amount {$650.00}
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is in regards to the credit report I pulled on XX/XX/2020, I see at least 2 credit inquiries on my credit report from you. section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit reports Instruct the credit bureaus to remove these inquiries immediately!
|
| 01/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
on XX/XX/XXXX, I checked my credit report and there was a message on the credit report that said : settlement agreement for less than amount owed.
I never spoke to GM Financial about a settlement yet they are reporting a settlement on my credit report. This is a debt that has reached its statue of limitations on collection of this debt and has been written of as bad debt and charged off. This has brought my credit score down significantly. The amount of this debt is XXXX. The account was reported on XX/XX/XXXX
|
| 05/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
GM FINANCIAL XXXX Opened XXXX. XXXX, 2017 Balance {$4100.00} As a consumer, I have rights that are granted to me to protect me from misinformation being submitted on my own credit report. At this time I wanted to set up a last demand for assessment before I talk with my lawyer for advice on how to deal with inaccurate and unverifiable items that are ongoing to be approved as genuine. You need to deliver me with a copy with the contract agreed upon or voice dialogue where I granted billing me from this account.
|
| 09/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit report reflects a hard inquiry with XXXX XXXX on XX/XX/18. I did not make any hard inquiries and have not authorized my credit to be ran for any transactions. After calling XXXX, I was told that my credit was ran at a XXXX XXXX in South Carolina. I have not been to any dealerships or made any inquiries. XXXX has been essentially useless in helping to escalate this issue. My credit report has been negatively affected and somebody obviously has my social security number and other personal information.
|
| 03/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2018 to the compant. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens. Amount {$600.00}, Date opened. XX/XX/2018.
|
| 05/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American |
|
I went on the " XXXX XXXX XXXX '' website and was referred by General Motors/XXXX to XXXX XXXX. I took the vehicle home on the advertised, `` drive our car for 3 days and if you don't like it, return it without every purcharsing policy.
I attempted to return the vehicle on XX/XX/2018, the day after I took the vehicle home and was not satisfied with it. General Motors/XXXX and their agent XXXX XXXX signed my name to a fraudulent sale, in violation of laws of the State of Michigan and United States Government.
|
| 07/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have contacted GM financial a few times. The term is incorrectly stated online and on loan detail welcome letter at 73-month term. I signed an auto loan with a 72-month term. I have contacted them 3 times by phone and filed an online GM complaint. The phone calls say they see the issue and I signed a 72-month term but they claim they cant adjust it. The email convos just claim Im wrong and it is a 73-month term. I have the signed agreement and it states 72. I can provide the signed agreement if its needed.
|
| 02/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2019 My issue with GM financial was corrected with GM, I was sent a letter that my account was current and no payments were late. ( XXXX ) I asked GM to take care of my credit report as well. It is continuing to report 2 late payments and I am receiving notices we are credit risks because of it. I want my credit reports taken care of immediately. It is adversely affecting our financial statement. I called GM, and they said I should check at the end of the month, no our finances are being impacted now.
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights!
Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " it also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account as under an open and consumer credit plan as late for any purpose '' Gm Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2018, GM Financial received ( certified mail ) my debt validation request.
I did not receive a response from GM Financial until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.
|
| 07/22/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company has called everyday for the past week ( XX/XX/2020 - XX/XX/2020 ). They have called 4 times today XX/XX/2020. They also call in another name - Americredit. I do not have an account with them. My account is with GM Financial. I tried to submit a complaint online but it stated that I had to call. When I attempted to call they stated that they have a very high call volume and to call their remote customer service agents. They call my cell phone and my job. I want them to stop calling me at all times.
|
| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
Dear Sir/Madam, on XX/XX/2018 I paid to GM Financial in full the lease end fees. Since then they have been trying to collect the fees again even after I sent them the copy of the cashed check to them. It has been five months since I paid the fees. Every month they are sending me billing invoice and every month I have been sending them the copy of the cashed check and an explanation letter. I don't see an end to this constant harassment so I am hoping you can help me with this matter.
Sincerely, XXXX XXXX
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. GM FINANCIAL XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
|
| 04/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
My vehicle was repossessed by GM Financial on XX/XX/2023 at XXXX. I was only XXXX days past due and was planning to make a payment on XXXX XXXX.
I was at home, vehicle was in the driveway and heard my alarm going off. I went outside and there was a stranger trespassing on my property and telling me that he was sent there by GM financial to repossess the vehicle.
I don't appreciate GM financial giving my PII to a random person without my permission and I don't even give guys that I'm dating my address.
|
| 04/15/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I bought out my XXXX XXXX XXXX from GM Financial on XX/XX/2019. They collected sales tax from me and they have not remitted the sales tax to XXXX. I contacted them on XX/XX/2019 and XX/XX/2019 and they told me it was my fault and that I have to fix it and pay late fees. Apparently they wrongly paid XXXX the sales tax even though they had my XXXX address updated. I had properly notified them of moving over a year ago and even had to get a notarized power of attorney from them to register the car in XXXX.
|
| 03/20/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account was supposedly opened in XXXX. In XXXX I was advised that the property was seized from owner and was sold and the balance was cleared and that {$0.00} was owed for the property. Gm Financial agreed to remove collection via letter mail and via phone once payment was settled. To my knowledge payment was settled because a letter was received in the mail stating that the collection would be taken off of the credit file. It never happened. Company is falsely reporting debt that was settled years ago.
|
| 02/04/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I filed bankruptcy in XXXX, it was dismissed. I purchased a vehicle XX/XX/XXXX, GM financial reported my account as included in bankruptcy ( which does n't apply to this vehicle XXXX years after a discharge ), continued taking payments up until I purchased a new vehicle XX/XX/XXXX, but states I stopped making payments XX/XX/XXXX. This incorrect information is being reported on my credit report. I have disputed this with all XXXX credit bureaus as well as GM financial who said the information is correct.
|
| 10/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2016, XXXX 2016 and XXXX 2016.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I was going through personal medical problems that could have been the cause of this but I thought I made every effort to make my payments on time in 2016.
|
| 06/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is the same company I tried to get YOUR ( CFPB ) help on.
You highly regulate my entire career so please help me when I need you.
GM violated the FCRA by decimating my credit.
If I reaffirmed the debt with them, they take payments for two years never late BUT REFUSE TO REPORT THE TIMELY PAYMENTS.. HOW CAN THEY LEGALLY LITERALLY BACKDATE LATE PAYMENTS.. This is a violation of the fair credit reporting act.
I will contact the department of Justice with this if you do not resolve this matter.
|
| 02/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
I have an active loan with GM Financial that began in XX/XX/2016. I filed bankruptcy but had this loan excluded from the bankruptcy and made/making all payments. Court papers were filed and are on file with GM Financial that this loan was excluded and remains active.
I spoke on the phone with a customer service rep who acknowledged that GM Financial had the court information.
GM Financial continues to report that the loan is in bankruptcy, reports late payments, and won't provide monthly statements.
|
| 06/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
My complaint is GM financial has hit our credit report for a payment that I sent and was taken out of my account back in XX/XX/XXXX. I was never notified there was a problem only found out from a notification on our credit 3 months later. All my statements showed current and no late charges. I have sent proof from my bank that the funds were taken out and never put back in from there bank XXXX!!! I have been dealing with this for several months with no results. It has completely gotten out of hand!!!!
|
| 10/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was dismayed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
|
| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX XXXX is reporting that I have paid my XX/XX/2018 lease payment 30 days late. They are showing the last payment dated XX/XX/2018. I made a payment for my XX/XX/2018 bill on XX/XX/2018. I have disputed this claim with them through XXXX XXXX and what they did was change the XX/XX/2018 status on my credit report to unknown which isn't even the month in dispute nor was that payment late or not paid. This is a false report since each months bill is and HAS been paid in full for the length of the lease.
|
| 03/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My vehicle was repossessed on XXXX XXXX, 2015. I do n't think it 's fair that the lender can repossess my vehicle as collateral and still earn money as a result of a deficiency. The only compensation should be the collateral and not both the collateral and deficiency. I have also left messages for the company that repossessed my vehicle to allow me to come and get my personal property and they have not returned any of my telephone calls. Consumers should not be treated in such a disrespectful manner.
|
| 10/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 12/10/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
My husband has a loan with GM Financial. He has been XXXX and since only his name is on the loan they will not work with me. He has been in contact with them yet they continue to send daily emails to me as well as call my family members want g to know where he is. They have already been told where he is and what is going on. They are to the point of being extremely harassing especially since the emails are coming to my email and they refuse to work with me on the loan. It 's becoming very stressful.
|
| 07/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
The account was closed and charged off in XXXX. There is a charge on my credit report that suggests other wise. According to XXXX, I made no payments in XXXX ( because of the charge-off ) except for a payment in XXXX and a payment in XXXX. Then the report states, no payments until XXXX of XXXX. I am very confused as how a payment could have been made on an account which was closed several years earlier. Then a negative report in XXXX of XXXX. This is a fraudulent attempt to collect an expired debt.
|
| 03/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I sent GM Financial a letter requesting all documents regarding the account that they are reporting on my consumer reports. XXXX XXXX XXXX XXXX XXXX Its been over 30 days and they havent sent anything and still reporting this account on my credit reports.
By law they have to send me documents regarding the repo and they didnt. This is a violation and they can not report this account Im demanding GM Financial delete this account for failing to provide proper notices and documents per my request.
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to GMFNANCIAL, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 06/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
americredit XXXX XXXX XXXX dba gm financial ( creditor ) we filed bankrupty on XXXX XXXX 2019 in united states court for district of montana chapter XXXX we have a XXXX XXXX XXXX that was part of the bankruptzynow gm financial is is trying to get an immediate stay and are seeking XXXX its case number XXXX. we received court papers in the mail from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sXXXX XXXX XXXX XXXX XXXX XXXX montana XXXX XXXX XXXX we have contacted are attorney we have 14 days to respond
|
| 10/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 10/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 02/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
XX/XX/2020 I was laid off from work due to COVID. I wasn't able to make a payment for 1 month due to problems with unemployment and trying to get another job. Once arrangements were made on my end I was able to make payments and be on time again. I asked them via phone and talked to a rep to have a payment deferment and was granted it. I've never been late anytime prior to this or even after. It was a unforseen worldwide disaster and have had good payment history prior to and post to the event.
|
| 05/18/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
My lease started on XXXX XXXX and it was supposed to end on XXXX XXXX bu t GM Financial took me to collections o n XXXX XXXX and my lease was only 10 days past due. I am the only person with an account with them that has been taken to collections and I was only 10 days past due not 40 days late they also extended my contract they state my next payment is due XXXX and I only had a 24 month lease contract.Is that legal I have signed documents stating when my contracts begin and end.
|
| 08/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX
|
| 11/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account is with GM Financial. I mailed a payment by priority mail on XX/XX/XXXX. GM processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to GM financial falsely reporting negative information.
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
GM FINANCIAL reported late payment for XX/XX/XXXX and XX/XX/XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 06/21/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My complaint is against XXXX XXXX. They repossess my car after being late approximately 70 days past due. I had spoken to several representatives in order to work out payment options. 8 had been previously laid off and have been playing catch up since recently being employed.
I immediately contacted GM Financial on the day they repossess my car on XX/XX/13 and made a payment in full for the balance. In spite this fact, FM Financial has reported a repossession with all three credit beareaus.
|
| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX TO XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 01/30/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I disputed this account via the XXXX, XXXX and XXXX. GM Financial verified my social security number with the credit bureaus but has not validated the debt. GM Financial has not validated this debt or any corrected the many inaccuracies that they are currently reporting. In fact, I do not nor ever have entered into a financial agreement with GM Financial. They have not provide their " chain of assignment '' either. I am attaching a detailed letter that GM Financial needs to address promptly.
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2021 AmeriCredit has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
|
| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Americredit obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. The FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting Americredit, they were unable to provide proof of my signed approval for them to pull my credit report.
Additionally, two inquiries from Americredit are present on my credit report for the same day.
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/2018, is the date stated on my credit report as an inquiry for an autoloan. I did not submit an application to XXXX. When the customer service department was contacted on XX/XX/18 to dispute the inquiry, I was given an excuse as to why it could not be deleted. I tried another time on XX/XX/XXXX with XXXX, who advised me to contact the company and the same resolution was given. My car was financed with XXXX XXXX and not XXXX XXXX. I do not have an open account with the company at all.
|
| 07/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/XXXX.
Due to Gm Financials failure to report it looks like i have a bad payment history and it has cost me a total of 6 loans since XX/XX/XXXX and countless other credit cards.
|
| 08/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have had issues with the fact that I got into a car accident that was not my fault and my car was totaled out and I was told I would be receiving the payment for it which they lied but then even after the payment was sent to GM Financial and the loan and vehicle were paid in full I still get harassed stating Im past due and it will be noted on my credit report and that it a still open. Im upset and want to get help for the issues with my old auto insurer as well as GM Financial please.
|
| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2018 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 04/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Hello, I made my payment on my car on XX/XX/XXXX at 60 days past due at XXXX. They wrongfully repossessed my car XX/XX/XXXX at XXXX. Normally if a customer pays and its out for repo, the repo is placed on hold, and if they had a payment cut off time, Id imagine it would be close to towards the end of their business day not close to lunch hours. I did not receive any letter in the mail regarding status of account. They have all of my contact information.I am 30 days past due as of today.
|
| 06/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My daughter purchased a vehicle through GM Financial in XXXX on her own and it was repo. in XXXX.
Her vehicle us showing up on my credit reoort within my bankruptcy and I never had an account with GM Financial.
They fraudulently repo. car with up to date payments on it, and refused to give her the car back.
None the less it was my daughter car not mine.
GM Financial also resold the car for what was owed, and they keep popping up on my daughter credit, she keep having them remove it.
|
| 06/01/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have made all payments on time since I leased the vehicle in XX/XX/XXXX . I made a payment in XX/XX/XXXX that they did not credit to my account. I have faxed them proof of the payment and also submitted proof of payment on a prior CFPB complaint which shows as closed because GM Financial responded to it. Although they responded, they did nothing to track down the payment. They cashed the payment immediately upon receipt, but as of XX/XX/XXXX no payment is credited to my acccount.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
GM FINANCIAL XXXX and GM FINANCIAL XXXX. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the company below : GM FINANCIAL XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report
|
| 12/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below: XX/XX/2018XX/XX/2018I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 08/05/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX is calling me 10-15 times a day as well as visiting my brother, mother and landlord and harrasing them and telling them they must open their garage doors looking for a car that I no longer have due to divorce. They have left notes on the doors of my families homes as well as leaving threatening messages on my voicemail despite the fact that I have asked them numerous times not to continue to contact me or my family. Their debt collection activities are illegal.
|
| 06/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 04/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 04/02/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
GM FINANCIAL KEEPS REPORTING THAT I OWE THEMMONEY AND I DO NOT ... ... RIGHT NOW THEY CLAIN I OWE 2 MONTHS I HAVE PROOF ON MY STATEMENT THAT I PAID FROM MY ACCOUNT AT XXXX ... ALSO IN THEPAST THEY SENT EMAILS FOR THE BILL BUT WHEN THERE WAS A PROBLEM WITH MY CHECKINGACCOUNT LAST YEAR THEY SAID I TOLD THEM NO CONTACT WHICH IS NONSENSE AS THEY SEND ME A NOTICE TO PAY..I REPORTED THIS BUT YOU AT CFPB KEPT CALLING ANOTHER GM NOT THE GM THAT TAKES PAYMENTS FOR CAR LEASES IN XXXX XXXX TEXAS
|
| 02/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 06/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
I was given payment arrangements and call to reschedule a payment for XX/XX/XXXX! I was granted the request but was never told that my vehicle was in jeopardy of being repossessed. They repossessed the car without my knowledge before the scheduled payment. I never received any type of letter they say they mailed a letter on XX/XX/XXXX and I have not received it yet! I have 10 days to pay the car off or it will be sold. They apologized for their error but said its nothing they can do.
|
| 12/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Older American |
|
GM Financial showing this on my credit report as a charge off - this is fraud I paid my dues and fees durring COVID also tried to purchase the vehicle - you rae promoting fraud they got my payments + I made a XXXX downpayment to purchase the vehicle as stated During XXXX they sold the car as profit and they report this or charge it off? NO they already made XXXX on a cheap XXXX vehicle Take that off my credit immediately as this prevents me from getting a job THis is discrimination
|
| 12/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
GM financial has refused to remove an inquiry that got on their system from identity theft. GM financial is claiming they got permission from the dealership but I never gave the dealership permission to even submit my information to GM financial. GM financial is now refusing to try to work with me to get this removed. I want GM financial to deal with the actual issue that they pulled my credit with no permission from me therefore by law they have to remove it nobody else can do that.
|
| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 01/06/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
GM Financial reported me with a 30 day Past Due remark on my Credit Report. They did this without ever contacting me to inform me of ever being past due. I was only ever given Statements that showed I was actually over paying my lease and therefore, had a negative amount due. I even confirmed this with them on a number of occasions. I was actually told I did not owe anything! I have full documentations showing all statements, for the past three months, that show I had no payment due.
|
| 01/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a vehicle financed with GM Financial but I got several inquiries from GM Financial in my credit report and I authorized to have my credit pulled one time only.
Please see the following hard pulls and credit inquiries in my credit report : XXXX XXXX XXXX XXXX ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GMFINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XX/XX/XXXX GM FINANCIAL ( Finance ) - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
|
| 05/13/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
Initial transaction started on XX/XX/2018 and completed on XX/XX/2018, We strongly believe the entire transaction was misleading, untruthful and we believe to be fraudulent. Believe we are being unfairly charged on our monthly car premium. Also, upon completion of the paperwork, we were allowed to drive the vehicle off of the dealership lot without having any car insurance coverage for that vehicle. We have not received any response from anyone from the dealership or GM Financial.
|
| 07/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
GM Financial upgraded their System in XX/XX/2017. Nothing has been correct since. Ghost payments due show up on your account ( happened for a year each month ). I schedule payments for withdrawal from my account receive email confirmation and then they either dont take them ( happened this month, again ) or they do it days after it was to be done. I call and what I am told does not reflect what my online statements say. I want a complete forensic accounting of my account PERIOD!!!
|
| 10/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I was struggling to find work at what I was previously making after my layoff in XXXX. Although I paid off this loan, and paid extra late fees they required, some of the late fee payments were late, incurring more late fees. This vehicle has been sitting in my driveway since XXXX needing an engine replacement. I need the title so I can have it towed out of here, but can not seem to obtain it.
Also - my correct e-mail address is XXXX. I could not find the profile page to fix it.
|
| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I had a car loan with GM Financial, I sent the payoff check # XXXX CHK # XXXX in the amount of {$17000.00} in XXXX. The payment was received by XXXX XXXX who is a GM Financial employee on XX/XX/XXXX. The company misplaced the check and placed a 30-day late payment on my credit report. I sent a letter asking them to update the late payment and they closed the account with a 30-day late payment. I have the emails and transaction numbers with proof of the mishandling of the payment.
|
| 07/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called GM financial on XX/XX/20 after seeing they put a charge off on my credit report. I called them and asked for information about the charge off. I wanted to know the amount they resold the vehicle to, and more details about the sale. I told them I wanted to know how they came up with this charge off amount. They rudely told me it was my job to update my address for this information and that they couldnt give me the details. That they can only mail me the charge off amount.
|
| 02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently sent this company a request to validate the debt on XX/XX/2019. I recieved a letter dated XX/XX/2019 notifying it was recieved and asking me for more information. I then recieved a 2nd letter dated XX/XX/2019 stating that the accout was accurate and disputed.
I have yet to receive all of the requested information from this company to " accurately '' report to the credit bureaus.
It has been over 30 days and I have yet to receive ANY information to VALIDATE this debt.
|
| 05/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2023 I send Notice for validation of debts. Pursuant 12 CFR 1006.34 On XXXX XXXX, 2023 the company request I send you additional information for this account # XXXX nothing in Fair Debt Collection Practices Act ( FDCPA ) says a consumer must send a debt collection company any proof of identification or information.
they have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt.
|
| 08/25/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
GM FINANCIAL STILL CONTINUES TO REPORT THIS AND NOW SHOW AS PAID OFF AND ZERO BALANCE.
I CLOSE ON A MORTGAGE ON XXXX/XXXX/2015 AND THIS MUST REFLECT PAID OFF WITH ZERO BALANCE AND ZERO MONTHLY PAYMENTS ON MY CREDIT BUREAU.
I WAS NOTIFIED THIS WOULD BE DONE BY XXXX/XXXX/2015 AND IT IS NOT DONE!.
I NEED THEM TO FOLLOW PROCEDURES AND TO EXPEDITE THIS TO THE CREDIT BUREAUS TO HAVE THEM ALL SHOW THAT MY LEASE IS PAID OFF AND HAS XXXX PAYMENTS LEFT AND HAS A XXXX BALANCE.
XXXX
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( AMERICREDIT XXXX ) company. I requested that they send me the written " Permissible Purposes '' document with my signature on it, but I receive no response or explanation. I also sent certified documents ( tracking # XXXX ) which were returned and unable to be delivered. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
|
| 07/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. XXXX continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.
|
| 09/25/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
GM Financial 's invoice contains misleading and untrue information regarding 24/7 access to their online services. The statement reads : " Managing your GM Financial lease account just got easier ] You now have 24/7 account and payment access. Visit GMFINANCIAL.com and register for myaccount.com ''.
Upon trying to login on a Friday night I was redirected to a site that showed the " hours '' for their online service and when it was available. This is NOT 24/7 access as claimed.
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
There was a car loan opened with someone in my family. They paid off this account and before that they filed bankruptcy. This was in XX/XX/2015. This account was put on my account and I had no knowledge of it. I have tried to fix it with the credit bureaus, even after the seven years and they have done nothing to fix the situation. The company is GM Financial and they are not accurate. They also gave this inaccurate Information to a third party. The XXXX account number is XXXX
|
| 11/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
|
| 12/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and GMFNANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX.
|
| 02/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Lender has repossessed vehicle with no warning. I have been calling the company for 6 hours and no one will tell me where the vehicle is or what amount I will need to pay for it to be returned.
The company is GMFinancial. The website will not let me log in or reset my password and the call line has transferred me twice. Given me a bad phone number to call. And told me three different times to call back since Thier " system is down '' I have been on hold for over an hour now.
|
| 03/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I enrolled in autopay with GM Financial for our leased vehicle loan. I was " kicked out '' of autopay 3 times without my consent. Each time I realized I was " kicked out '', I reenrolled immediately. My account was marked late 3 times and late fees assessed. It has affected my credit score significantly.
I have a new GM Financial lease now and it is proving to do the same thing. I think they either have a faulty system OR they are purposefully trying to collect late fees.
|
| 04/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
This is in regards to the credit report I pulled on XX/XX/XXXX, I see at least 6 credit inquiries on my credit report from you. section 609 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately the inquiries from.
XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have received a copy of my credit report and it shows company GM FINANCIAL account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have received a copy of my credit report and it shows company GM FINANCIAL account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$12000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
|
| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
XX/XX/ my consumer credit application was declined/denied by GM Financial . The credit application was for a vehicle. They also referred to the application as a loan and NOT a consumer credit transaction and would NOT let me speak to a supervisor at all. The company is in violation of 15 USC 1602 by NOT recognizing me as the consumer/creditor. GM Financial is also in violation of 15 USC 1611 for giving me inaccurate information regarding the nature of the transaction.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and GM Financial. The Account Opened is GM Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
|
| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on my credit file.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 03/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
GM Financial put my account into a Bankruptcy and can not explain why. This mistake on their end caused my auto-payments to be disabled which put me behind for two months. GM Financial can not explain how the account was flagged for bankruptcy. They claim an error in their systems. I'm concerned my account was breached.
This has caused financial hardship and GM Financial will not do anything on their end to correct the issue.
I'm clearly not in a bankruptcy status.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The following are hard inquiries placed on my credit report without my knowledge or permission XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have disputed this debt with the CFPB with this company on multiple attempts and directly with the company. This company has been unable to validate that I owe this debt and has not sent any documentation that I owe this debt. Yet it still on my credit report. I have validated the validity of this debt over 5 times over the course of the past two years, and it has not been verified. GM Financial is providing false and inaccurate information to the credit bureaus.
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I applied for vehicle financing with GM financial on XX/XX/2021. I received the vehicle XX/XX/2021.
I see that there are 4 additional credit inquiries from GM Financial in the next 2 months that I did not authorize. GM states they did not inquire. The inquiries are dated : XX/XX/2021 XX/XX/2021 ( 2 inquiries on this date, one from XXXX XXXX GM, one from XXXX GM ) XX/XX/2021.
I did not authorize these, I was approved based on the correct XX/XX/XXXX credit check.
|
| 04/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a Auto Loan account with GM Financial. My vehicle was repossessed and sold in 2016. I never received a letter giving me the breakdown on what the vehicle was sold for and the balance. The vehicle was sold for more than what was owed. The balance showing on my credit report is incorrect and needs to be updated and/or removed. I have contacted GM Financial and they has refused to send me the letter showing the total breakdown of the vehicle cost and sold price.
|
| 09/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Account Type : LEASE Account Number : XXXX My payment due date is on the XX/XX/XXXX of each month. My payment for XX/XX/2018 was not past 30 days late.
My payment was made on XX/XX/2018. Please see attached proof of payment history.
Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.
|
| 06/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Contained within my XXXX consumer report # XXXX is the following incorrect information..
GM Financial acct # XXXX incorrectly shows a delinquency of 30 days in XX/XX/XXXX, and Also XX/XX/XXXX. This account was paid in full and closed in XXXX of XXXX making these delinquencies impossible.
GM Financial acct # XXXX incorrectly shows a delinquency of 120 days in XX/XX/XXXX. This account was paid in full and closed in XX/XX/XXXX making this delinquency impossible.
|
| 12/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 03/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
in XXXX XXXX my co-signer assisted me with a loan from GM Finanicial. in XXXX XXXX she was declared XXXX in the XXXX XXXX probate court and issued a guardian the guardian wants her off the loan .GM finanicial refuses to release her from the contract. she did not make any payments on this loan, I have been the sole party responsible for the payments and I will continue to make the payments. she is a ward of the state now and should be released from this contract.
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX and GM Financial Account # XXXX has violated my rights.
15 USC 1681 Section 602 States I have a right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been making overpayments on my loan with GM Financial in order to pay down my loan principle. GM Financial is only applying these items as credits towards my future payments essentially making my payments and interest free loan to GM Financial. I have asked multiple times to have my overpayments applied towards principle with no help or confirmation. I can not reach an in person representative and feel GM Financials practices are misleading the consumer.
|
| 11/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
i been paying all my car payments on time and the app they have been messing up but still showed up as paid on my end. i call and told them the payment on XXXX went through but said i had to file a complaint. im stressing that I immediately want the payment information corrected and want it to show XXXX payments for all months and to contact me if anything show up late so i can clear it up. This drastically hurting my credit and want it to be correct ASAP.!!!!!
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I've recently checked my credit report with XXXX and there's some inquiries listed that were unauthorized and unverified.
They are as followed : 2 inquires with AmeriCredit on XXXX 2 inquires with XXXX XXXX XXXX XXXX on XXXX & XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX on XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX XX/XX/2021 I never gave permission for these companies to run my credit. I also do not have any open or verified accounts with these companies.
|
| 04/12/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
GM Financial account # XXXX I purchased my lease for {$27000.00} this included NJ sales tax.
I have not received any documentation from GM documenting that I purchased and paid sales tax. I CAN NOT register without this information.
I have called GM 11 times and have not received this information in spite of the fact that they keep telling me that I will I am asking for something in writing noting the sale price and the specific amount paid for NJ sales tax
|
| 04/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GMC financial failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair.
|
| 11/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
I contacted GM Financial 3 to 4 times letting them know that I had lost a part-time job due to COVID-19 and that I was suffering a hardship. The first reply I received was asking if I had received a stimulus check and their were not any programs to help me, then they repossessed my vehicle the night before I had to go to work, leaving me stranded. Now I've had to pay them all back monies owed plus the fees for the repo. Now I might lose my house!!!!! Thanks GM
|
| 12/13/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have contacted GM financial several times. I was never notified that this vehicle was in debt. I was the co-signer on this truck. Not the original owner. I never was notified by mail or phone that the truck was repossessed and that there was a vest on this. Until I seen it on my credit report. This debt is over XXXX years old. Its almost XXXX years old. It is still showing on my credit report. I would like to have it removed. The truck was sold at auction.
|
| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
|
| 12/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a XXXX XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.
|
| 10/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX XXXX -GM Finnancial XXXX -XXXX XXXX XXXX XXXX has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a XXXX card account under an open and consumer credit plan as late FOR ANY PURPOSE.
|
| 02/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I set up for auto pay since the beginning of my lease and they had my incorrect address and phone number they I have statements proving that they take the money from my account and then they have me late as three payments that dont make sense and Im reporting for one month I called them numerous times and they keep telling me to dispute it with the credit bureaus but thats not helping and I brought my credit score down for in accurate information they will
|
| 12/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a Gm XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.
|
| 10/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have requested a payoff balance from my lender. They have quoted me a price higher than the total loan, ( including finance fees ). I have asked for a quote for payoff three times and have received the same response. I have requested that my payment be placed on the principal for 6 months and this has not been done. I owe less than the total finance charges and would like to pay off my car minus the finance fees but I am being told that I ca n't do that.
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Acct # starting in XXXX I am writing to dispute a charge off on my credit report that is past the statute of limitations.
According to my records, the statute of limitations for this debt has expired, and as such, it should no longer be reported on my credit report. This account was settled in XX/XX/2016.
I request that this charge off be removed from my credit report as as soon as possible.
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of false information and did. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.
|
| 10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ive reached out to GM Financial many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. GM Financial has refused to do so. I really need help with this issue.
|
| 12/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
GM Financial and XXXX XXXX conducted hard inquiries on XX/XX/XXXX, 2019. XXXX XXXX made two hard inquiries : One on XX/XX/ 2019 and one on XXXX XXXX2019. I was told they did two inquiries because the company had misspelled my name, which was not my fault. It is my understanding that if hard inquiries are made within 30 days of each other, they are supposed to count as only one inquiry. That did not happen with either GM Financial, XXXX XXXX, or XXXX XXXX.
|
| 04/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
My wife and I paid off our loan with XXXX XXXX in XX/XX/XXXX they have not reported since XX/XX/XXXX and they have not showed the pay off of the vehicle it is now the end of XX/XX/XXXX I have contacted them three times last 60 days they give me the runaround and said they are having computer problems since XXXX it was a {$31000.00} loan that was paid off on time and I had a schedule but with them not reporting anything It looks like I still all that money
|
| 06/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I file chpt XXXX bk back in XXXX XXXX, reaffirmed the debt in XXXX XXXX, recently in XXXX XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XXXX XXXX, XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over XXXX points ....
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have submitted minimum 3 disputes per account below through XXXX XXXX to XXXX XXXX and XXXX with no help.
The following inquires are not mine, I have no knowledge of them : AMERICREDIT : Inquiry XX/XX/22 XXXX XXXX : inquiry XX/XX/22 XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Inquiry XX/XX/22 XXXX XXXX XXXX : Debt {$970.00}
|
| 01/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and GM FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/2018.
|
| 04/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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Gm financial americredit without making the purchaser aware transferred the car loan. The car loan would seem to no longer be covered under usury exemptions for financial institutions. I believe this would mean that the car title would be subject to Californias 10 % max usury limit. The loan was put in a trust and sold to private entities. One question I have is who owns the loan? If its privately held the 21 % interest rate is predatory. Can you help.
|
| 06/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX.
|
| 11/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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|
Web |
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I have lease 2 Vehicles with GM Financial, they are both electric and qualify for no sales tax in Washington state. Both my contracts show the correct payment but GM Financial is reporting to all the credit reports my payment with Tax included and also the payments listed online and on my statements are not correct. They are showing my payment with Tax which is not correct.
I have called Gm Financial about this multiple times and nothing has been done
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Due to identity theft I am disputing these inquiries on my XXXX credit report that I didnt not authorize for my credit to be ran.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
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According to 15 U.S Code 1666b- Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for any purpose. Also it states under this law that I must be notified no later than 21 days before which I havent been or should I say I have never been. According to the FDCPA IM INTITLITED TO {$1000.00} PER VIOLATION!
this company has been violations many laws and I would like this removed asap.
|
| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for purpose.
Credit company Gm financial
|
| 02/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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The GM FINANCIAL with account number XXXX appears to be a charge-off account with a specific balance of {$6300.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
GMAC provided me with a deferment/forbearance of my 3 installment payments that included XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and corrected the deferment with the next payment due XX/XX/XXXX, yet GMC reporting me 30 days late in the month of XX/XX/XXXX. I have asked them to correct this for months and they refuse to follow through. I want my credit report corrected asap to penalize them for UDAP, FACTA, FDCA, and XXXX abuse of myself.
|
| 04/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
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We paid off the life of the auto loan balance but several weeks later we get a letter saying ( paraphrasing ) " you still owe late fees for this account. '' However, we know for sure before the loan was transferred to GM financial we did not have late fees and the deferment payments was added to the back of the loan in which we were told. So, I do n't know why we still owe late fees when we paid off the life of the loan, please explain that to us.
|
| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I'm not an expert on this and I'm not sure how this can happen. I was shocked when I reviewed my credit report and found late payment on the dates below on my XXXX account. I made the payment but apparently it's not getting applied correctly.
XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
GM financial
|
| 04/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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GM Financial has closed their title processing office due to COVID19. Though I am sympathetic to this, it is costing me the ability to retrieve my title on a payoff. And therefore I can not resell my vehicle. Conversely ; GM Financial continues to issue financing and accept titles for car sales at their captive GM dealerships.
This is an anti-competitive tactic not enabling private sellers to sell their vehicles if GM Financial holds the note.
|
| 07/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Our first call was on XX/XX/XXXX. They claimed not to receive the check. After following up with our insurance company we called back on XXXX. They claimed the account # wasn't on the check ( which it was ). They then said it'd take 10 days to process. We followed up on XX/XX/XXXX and got the same response. We followed up with them on XX/XX/XXXX and they said XXXX days it'd be processed. As of XX/XX/XXXX the payment still hasn't been processed.
|
| 09/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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This is for GM Financial. I am unable to make a payment towards my principal without calling in and typically waiting on hold for over 30min. I have tried all other option chat, text, and the online portal. When I call in they say there is no way for me to make all other payments besides my auto pay go directly towards the principal. The only option they offer is to call after I make a payment and tell them it should go towards the principal.
|
| 02/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX ajnd XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
|
| 12/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GM FINANCIAL is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. GM Financial has received notice through The BANKRUPTCY COURT CLERK, on XX/XX/XXXX stating a Chapter XXXX was filed, and on XX/XX/XXXX a signed order by the judge was sent stating all debt was discharged. To date GM Financial never responded, never appeared, and never rebutted the fact they are a debt collector.
|
| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Americredit/GM Financial advisor told me that I would have to pay the entire balance of XXXX to get possession of the XXXX XXXX XXXX that I have a past due balance of {$2400.00}, they also said that they were going sell the vehicle on the XXXX of XX/XX/XXXX, without any other type of remedy, I explained to them about the payment that has been mailed certified mail,XXXX and I want to get the rest of the balance if sold before it reaches them.
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and GM Financial have violated my rights.
15 USC 1681 Section 602 states that I have a right to privacy.
15 USC 1681 Section 604 A ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 09/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Opened account with GM Financial on XX/XX/2020 with my social security number which was a consumer credit transaction. GM Financial received full payment and has also been receiving monthly payments which has not been to my benefit. GM Financial has violated my rights as a natural person and consumer. I have attached the documents I sent out to GM Financial on XX/XX/2020. I have also attached proof of down payment in the amount of {$1300.00}.
|
| 08/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
GM Financial is reporting inaccurate information on my credit report. Its reporting a balance on a closed account that has been charged off. I am asking for accounting records and paperwork of vehicle been sold in auction and for how much, not just their word. I want to know how did the company verified I owed XXXX. Because the original balance was XXXX and XXXX was written off and vehicle was sold in auction so the number are not adding up.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a 472K payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
|
| 08/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
The balance owed is showing additional money since signing. Instead of XXXX it now reads XXXX on XXXX. The interest rate and balance owed are wrong. This XXXX XXXX, XXXX XXXX XXXX GM Financial is all a big scam.The {$2500.00} in addition is fraud. There IS NO cilajet on the car & the theft deter extra {$990.00} was already listed on the sticker price. It's them Hiding money to make it look legit. I should have a balance of {$14000.00} @ 0 %.
|
| 11/11/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Recently I checked my consumer credit file and noticed XXXX XXXX ran my credit without my permission and sold car ( s ) to someone that was not me. I have tried to work this out with them and the refuse to remove this form my credit report. I have filed a police report with the XXXX XXXX, CA Police Department XXXX Report # XXXX XXXX. I have also attached an ID Theft Report from the FTC. I am requesting that the CFPB inquire into this matter.
|
| 11/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Account Name : GM FINANCIAL XXXX : {$25000.00} XXXX XXXX : XX/XX/2017
|
| 04/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The company , GM Financial, continues to call my phone number looking for someone unknown to me, who is not at this address and this is not the correct phone number for this person. The company has called my home phone for at least two years, at least a couple of times a month, and I have repeatedly ask them to take my number off their list, that it is not a correct number. They say they will remove the number and next month they call back.
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act GM Financial Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states that the consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666 b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act GM Financial # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 12/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I believe it was sometime in the summer of XXXX I had a major repossession from GM Financial for my XXXX XXXX XXXX. I tried to get my monthly payments lowered because I lost my great paying job and used only what I had left in my savings to pay for rent, car payment, car insurance, food and clothes for my son who was two at the time. I want to remove GM financial from my credit history and come with a settlement to dispute this situation.
|
| 10/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604- A, SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
|
| 07/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
HI. I have challenged information that is being reported by GM Financial for a vehicle that was stolen. I had insurance and GM Financial has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX account XXXX XXXXXXXX has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy..
15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat payment on credit card account under an open end consumer credit plan as late for purpose.
|
| 05/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by GM Financial. But despite that, GM Financial continues to report this account on my credit profile. I have been in contact with the credit bureaus and GM Financial to correct this error, but the account continues to remain on my credit report.
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act GM financial acct # XXXX has violated my rights.
15 USC1681 Section 602 states that I have the rights to privacy.
15 USC 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 section 602 states i have the right to privacy.
15 USC1681 section 604 A section 2 : It also states that consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 07/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My wife and I has a balance left over on our auto loan with GM Financial at the end of our contract. We resolved the balance with their attorney : XXXX XXXX XXXX, but GM Financial refuses to update our account properly at XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the letters from their attorney, which states we resolved the debt. We just don't understand why GM Financial continues to tell the credit bureaus we owe them money.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
4741
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt on there and I do not owe this debt. This car should have been completely covered with my GAP insurance. I submitted the paperwork a while ago and haven't hear back from GM Financial. They however, continue to negatively report on my credit. This needs to be removed and you need to report accurately.
|
| 04/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately.
XXXX XXXX 1. XXXX XXXX XXXX 2. XXXX 3. XXXX
|
| 01/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account GMFNANCIAL Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 11/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 10/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I wrecked my car the weekend of XXXX XXXX and on my way back to XXXX, I ended up rear ending another car. My insurance company totaled it the next week and my insurance company sent XXXX XXXX a check for the difference of the loan and what they insurance would payout which I was told was {$7700.00} ( not XXXX on the exact total ), but I go into to check my remainder balance which should be around $ XXXX I see it is still over $ XXXX.
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 05/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 states that I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX
|
| 10/02/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Since XX/XX/2022, I have paid my car loan bi-weekly to ensure the full monthly payment of XXXX is paid every month. However, since XX/XX/2022 - present, they keep reporting my accout as past due to all credit bureaus. Also, it shows the remaining balance is {$31.00}, XXXX but the loan was financed at {$32.00}, XXXX in XX/XX/2022?? This has severely DAMAGED my credit and the XXXX XXXX value of this vehicle is only worth {$14000.00}!
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violented my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 and Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
|
| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial keeps reporting my payments as 30 days late, and this makes my credit score decline. I have tried calling and talking with them, but all they say is that they have reported it as current. I ask to speak with a manager and they never let me talk with one, all they keep saying is that it has been marked current and I'm still flagged as 30 days late. My payment is due on the XXXX of every month and I have never been late.
|
| 07/02/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried contacting GM Financial several times in order to have this debt validated which I have yet to receive anything and also removed from my credit report and it is still being reported. I have sent several certified mailings to the company on several occasions XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I still have not received anything. At this point it has gotten a little ridiculous because this debt dates back to XXXX.
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, the creditor has violated my rights. Under 15USC 1681 section 602 states that I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose
|
| 07/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
My XXXX XXXX XXXX was totaled and I had gap coverage through the dealership. When it came time to get the paper from progressive to ensure that gap paid the remaining balance that progress didnt cover I couldnt get the information. I called the claim adjuster who was assigned to me as well as emailed him and I got no response. I went to the office and received no help. Now the balance is in collections on my credit with interest.
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX Has Violated My Rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604, section 2 : it also states, a consumer reporting agency can not furnish account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consume credit plan as late for any purpose.
|
| 04/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act, XXXX ( # XXXX ) has violated my rights. Under 15USC 1681 Section, 602 states i have the right to privacy.
15UAC 1681 Section 604A section 2 : It also stated that consumer reporting agency can not furnish an account without my written instructions Under 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
|
| 01/24/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX entered into a consumer credit transaction with GM FINANCIAL on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but GM FINANCIAL took cash. The Finance charge is supposed to include insurance, but GM FINANCIAL made me purchase insurance separately.
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for GMXXXX Financial and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report.
XXXX XXXX
|
| 06/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Has violated my rights.
15 USC1681 section 602 States I have the right to privacy.
15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any purpose.
|
| 01/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and GM FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I spoke to a rep at GM Financial that was supposed to clear this up. I have been a customer for years, there was a banking error that I was unaware of. I have never been late on any of my leases and something happened with the payment not going through. It has since been paid and to my knowledge was not even late. Please review this as i have not been able to get back on the line with anyone at GM Financial to fight this again.
|
| 12/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Loan with 18 % APR for 72 months. Felt taken advantage of because of credit circumstances. According to loan agreement I was suppose to be given a chance for arbitration however was never given a chance. Loan was only 37 days pass due before they repossessed it despite the fact that their policy is to repossessed after 60 days past due. Car was suppose to be sold on XXXX yet credit report still reflects total about of loan due.
|
| 02/27/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
My husband and I leased a XXXX back on XX/XX/XXXX. In late XX/XX/XXXX early XX/XX/XXXX my husband was XXXX. They gave him 6 months to live. He passed away on XX/XX/XXXX. He was XXXX and I am XXXX. Due to the change in income, I am also retired, I am unable to continue making the high payment. I have talked to numerous XXXX and GM financial and nobody can help me. Is n't there something that can be done in a situation like this.
|
| 10/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I wrote a few letters to the creditor and the bureaus regarding some lates reported on my accounts and they have not responded or fixed the error. I don't feel like this was my fault, I submitted proof that they funds were available when the payments were due but they were trying to take the funds from an account that was no longer active. All I want is that they fix the error and remove the lates reported on my credit report.
|
| 09/26/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
In XX/XX/XXXX, I was put in a hardship do to my son being in the hospital and I had to be put out of work. In XXXX I asked for my payments to put in deferment due to the hardship. GM said that my loan account could not be deferred due to it being a lease and because of that my late payment is XXXX it caused all the late payments from XX/XX/XXXX to XX/XX/XXXX. I finished the loan agreement in XXXX and returned the property back
|
| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GM financial reported my car payment late over 30 days in XX/XX/2019 and XX/XX/2019. This is inaccurate! I Paid before the payment was 30 days past due and it indicates on the GM payment history on their web site the payment aaa processed before 30 days. In fact the money was taken from my bank account. They wont correct the error. They reported that I was late for these two months and I was not! They must correct their error.
|
| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have an early lease termination that was charged off in XX/XX/XXXX but it is still showing a balance due of XXXX. Its GM financial services on a XXXX XXXX XXXX. Im a XXXX American veteran trying to buy a home and the mortgage broker is telling us the account balance should read {$0.00} for balance due. I was told by someone on the phone from GM financial that if I did the early lease termination it wouldnt affect my credit.
|
| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
|
| 12/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
|
| 04/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I LEASED MY CAR ON XX/XX/XXXX AND MADE PAYMENTS UP TO XX/XX/XXXX WHEN MY VEHCILE WAS INVOLVED IN A FLOOD.AT THIS POINT INSURANCE SAID THAT THE CAR WAS TOTALED AND SAID THEY WILL TAKE CARE OF IT WITH THE LEASING COMPANY .AS OF XXXX XXXX XXXX ALL PAYMENTS WHERE MADE TO MY FINANCE COMPANY FROM MY INSURANCE COMPANY AND XXXX
FURTHMORE, I RECEIVED AN ALERT XX/XX/XXXX ON MY CREDIT REORT THAT I AM 3 MONTHS BEHIND AND OWE {$1000.00}.
|
| 03/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I had my secretary XXXX speak to GM Motor in regards to a late that had come on my report in error on XX/XX/2019 she spoke to XXXX from GM # XXXX was his ID. He said he was going to be sending in the correction to the bureaus immediately. Yet this is still reporting 6 months later and is really hurting me. Not only is it reporting late it is only showing a 60 day late which isn't possible since the prior month it was on time.
|
| 08/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a vehicle leased thru GM Financial and that vehicle was repoed. The account was sold to several different collection agencies and the most recent being XXXX XXXX. I settled the account with XXXX and account was paid in full. XXXX is either not reporting to GM Financial that this account is settled or GM Financial is refusing to report properly to the Credit Bureaus. This still shows as a charge off on my credit report.
|
| 09/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am a current customer of GM Financial. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.
|
| 05/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Family Member obtained loans fraudulently, has subsequently been prosecuted and is serving a XXXX term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
|
| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act GM Financial has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
GM FINANCIAL violated 15 usc 1601 ( a ) uninformed use of credit under truth in lending act. Also violated 15 usc 1692f ( 6 ) which states taking any nonjudicial action to effect dispossession or disablement of property. Also violated 15 usc 6802 which states a financial may not disclose nonpublic personal information to a nonaffiliated third party. Also violated 15 usc1681 section 602 A. states I have the right to privacy.
|
| 06/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XX/XX/XXXX account # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX, has violated my right.
15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.
|
| 11/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I went to the XXXX dealer shop and i told them to do the lease for a particular bank. They have sent all my information to several banks. And I received my lease from the bank that i advised them to do because i dont want too many hard inquiries. They were really unprofessional on XX/XX/XXXX XXXX. I spoke with them about this situation and they told me there is nothing to do now and I should wait to drop off in a few years.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just one time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit loan under an open end consumer credit plan as late for any purpose.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance witht the FCRA GM Financial Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights.
15 USC 1681 Section 602 states I ave the right to privacy.
15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.
15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 04/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
GM Financial is incorrectly reporting this account as past due. On my credit report, it states that they have not reported any payments since XX/XX/2017. This caused me to not be able to buy a home as it severely damaged my credit score. After speaking with the company numerous times they continue to state there is 'nothing they can do about it. ' Inaccurately reporting my account as delinquent is a violation of the FCRA.
|
| 05/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.
|
| 05/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
Americredit, also known as GM Financial, denied me credit. That 's fine ; I got credit elsewhere. But they wo n't tell me why. XXXX I have gotten a pathetic non-responsive response : " Outside of credit program parameters. Credit not granted under the specific terms and conditions and/or conditions originally requested. " As far as I can tell, this denial is totally non-responsive, and does not meet the CPFB requirements.
|
| 06/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
GM FINANCIAL did not properly report my vehicle loan account to the credit reporting agencies. The last reporting date was XX/XX/XXXX. I have made payments all the way until XX/XX/XXXX when I paid the loan off in full.
I contacted GM financial, but they can not tell me why my account hasnt been properly reported.
As to date, my GM financial account is still showing open and active even though it has been paid in full
|
| 06/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Under laws of commerce an unrebutted affidavit stands as truth. I'm writing this complaint due to the fact that I haven't heard back from GM FINANCIAL nor have I seen this alleged debt removed from my credit reports. In the attached files you can find an affidavit of truth with exhibits, a cease and desist letter and a green return receipt showing that GM FINANCIAL has received all of the paperwork I have provided today.
|
| 04/21/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Older American |
|
My Lease was for 39 months, XXXX miles for a XXXX XXXX XXXX. It started on XXXX XXXX. I turned it in in order to purchase a new XXXX XXXX on XX/XX/XXXX. It was at XXXX miles and normal wear and tear. Despite this I was informed I had to pay for the wear and tear, approximately {$700.00}. I was able to talk it down to approx {$300.00}. However, it was a compromise and I should not have had to pay anything per my contract.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a car account under an open end consumer credit plan as late for any reason.
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 01/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Gm Financial illegally took my car while I was in it. Gm Financial also charged me usury interest rates on my loan. During a look into their financial records I found that they sell their debt to pass through companies that run it around the country into various state before being sold to major banks and the sold as cdos to private investors. When the debt is in the hands of a private citizen is it not subject to usury?
|
| 03/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and end consumer credit plan as for any purpose
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX is not following the FTC, they are still not taking credit inquiries off that have solid proof that I did not authorize the companies to ran my credit. I am trying to purchase a home and the loan officer wants these hard inquiries off. XXXX is refusing and I need help because they are going against the law and not doing what is right.
There are several inquiries on my credit report that need deleted immediately.
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 10/20/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
General Motors is reporting a debt that is more than 7 years old. The debt was incurred in XXXX 2009 and is more than 7 years old and should be deleted from the credit reporting agencies.
Under the FCRA 15 U.S.C. 1681c, an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. Subsequent activity is irrelevant to the seven-year period.
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 section 602 states, I have the right to privacy.
15 USC 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B a creditor may not treat a payment on a loan under an open end consumer credit plan as late for and purpose.
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After my lease contract with General Motors I returned the car on time and fulfilled my payment. I was reported about a late payment that I was not aware of nor was I informed. I actually leased another from the same lender ( General Motors ) soon after my first lease was over. I called General motors about this and was told they will fix this unfortunately it is still showing a 120 day delinquent on my credit report.
|
| 11/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account GM FINANCIAL XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GM FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I sent an email through the Gm portal submitting the wrong reporting of payments and excessive billing out one month ahead which keeps reflecting a past due amount. I have had numerous calls for collects but no one can help me with email i submitted. Due to Covid no one is in call center and you can not obtain any help except through portal. What in place for covid in the state of texas as far as consumer protection?
|
| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I paid to get 3 loan payments moved to the back of my car loan so that I would not have late payments reported to the credit bureaus and the company refuses to remove the missed payments. I've called and disputed this many times. They accepted money to move the payments to the back of the loan but will not remove the missed payments when I have been current for 18+ months.
XXXX XXXX XXXX, XXXX and XX/XX/2019 XXXX
|
| 03/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 02/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.
|
| 06/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act GM Financial account XXXX has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency a account without written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an pan end consumer credit plan as late
|
| 12/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
I submitted previous complaints to CFPB outlining the unethical behavior of GM Financial in handling my termination of car lease. GM Financial has not addressed any of the core issues associated with my complaint. CFPB terminated both complaints for some unknown reason. Request resolution of my complaint. Most recent correspondence to GM Financial is attached for your reference. Thanks for your assistance. XXXX
|
| 11/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 02/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!
|
| 07/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I was put on an auto loan as co-borrower, the borrower and I are divorced and he has me on a loan that he has defaulted on purpose because I filed for divorce and divorced him. Im now trying to move on with my life and now this issue has come up. I would like to have myself removed from this loan that is hurting my credit. Im being held responsible for his actions and Im not driving the car that is in question.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have reached out to the company concerning the late payments listed on my report. I was told by a representative that during the months that my payments were deferred due to COVID 19 I would not receive any late payments. The creditor failed to hold up to the deferment contract that i signed and have violated my rights. Please update and remove the late payments that are listed for the months during COVID 19
|
| 06/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American, Servicemember |
|
Yes I contacted on financial about getting car deferred payments. The did grant me deferred payments. The only problem is. There charging me late penalty fees. I'm going thru hardship due too corona virus. And I'm hoping too get all late fees or penalties waived. I'm also on XXXX too. I don't wana have too file chapter XXXX bankruptcy. So hopefully I can work with them. I'm XXXX years old going thru hardship.
|
| 08/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please?
Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why??
XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX
|
| 02/15/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I leased a XXXX XXXX XXXX from GM Financial Leasing. All payments were made on time. At the end of the loan they charged me a {$420.00} termination fee. They have now reported the fee as pass due and it has dropped my credited score 37 points. Just to reiterate all 36 regular payments were made on time, they are reporting me for a fee they would have automatically waived if I had bought or leased another car.
|
| 04/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX XXXX located in XXXX va has gotten a hold of my number and I never gave my number to them which is wrong. they calling about the gm financial debt that I have tried resolving with gm financial but they never called me back, this XXXXXXXX XXXX is attempting to collect a debt in the midst of a crisis which WRONG!!!! I told them I can pay {$30.00} a month only and they tell me that's not going to work.
|
| 03/13/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
To my knowledge, I was never late on my GM Financial auto lease with account number XXXX. But I realized that I was reported as being past due multiple times which is not true. I have had this lease since XX/XX/2015 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.
|
| 06/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate.
But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have Sent dozens of letters and maid hundreds of phone calls. ive sent multiple Letters to the creditor and they have not abided by what ive requested.
They have also violated my CONSUMER LAW because they never gave me the option to OPT OUT from reporting this information to a third party!
15 U.S. Code 6802b GM FINANCIAL account number - XXXX.
Date opened : XX/XX/2016 via XXXX Please DELETE ACCOUNT!
|
| 11/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Create In accordance with the fair credit Repo act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have right to privacy.
15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency c furnish a account without my written instructions.
15 USC 1666B : A creditor may not trec payment on a credit card account und open end consumer credit plan as late purpose.
|
| 12/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
GM Financial was not reporting my car loan back in XXXX. Now al of a sudden, they want to report everything. it is showing that I had a late payment in XXXX. My payments are due on the XXXX of each month. I made the payment on XX/XX/XXXX. I do not understand how this would be considered 30 days past due if I paid in it on the date that the payment is actually due.
XX/XX/XXXX Processed {$580.00} *****XXXX
|
| 04/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My name is XXXX I had an account with Americredit which is not GM Financial. I was in a car accident and the car was paid off in full due to this accident ; the company has the pay off listed as paid was a repossession. The car was not repossessed and was paid immediately after the accident. I have contacted them several times online as well as through the XXXX.com and they have yet to resolve this issue.
|
| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2019, XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2019, GM FINANCIAL Inquiry : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
|
| 10/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MY PERSONAL INFORMATION INCLUDING ADDRESS, FULL NAME, DATE OF BIRTH, SOCIAL SECURITY NUMBER AND DRIVER 'S LICENSE INFORMATION WAS USED TO FRAUDULENTLY OPEN ACCOUNTS, RESULTING IN SEVERELY DAMAGING MY CREDIT PROFILE. THIS HAS ALREADY BEEN A VERY STRESSFUL PROCESS. MY LIFE HAS EXPERIENCED MANY HARDSHIPS BECAUSE OF THIS. PLEASE CAREFULLY REVIEW AND REMOVE ALL INACCURACIES DUE TO IDENTITY THEFT. THANK YOU.
|
| 02/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I BORROWED {$34000.00} FROM GM FINANCIAL ON XXXX GM HAS SENT ME A LETTER STATING MY LOAN TERM IS 61 MONTHS. HOWEVER, MY LOAN TERM IS 60 MONTHS PER CONTRACT EXECUTED. GM HAS NOT RESPONSED TO MY COMPLAINT ON THIS MATTER AND IS ATTEMPTING TO OVERSHARGE ME BY 1 MONTHLY PAYMENT. I WOULD LIKE THIS RESOLVED ASAP BY GM AND EXPLANATION FOR THIS ERROR. I ALSO CONTACTED TH DELAER WHO DID NOT RESPOND TO MY ISSUE!
|
| 12/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
attached to every monthly billing statement is a payable coupon. If filled out correctly and signed by law it is considered a negotiable instrument. I submitted my remittance payment and was told it wasn't accepted for value and that I have to submit cash which is fraud and coerecsion. According to XXXX XXXX and emergency billing act the remittance is completely legal and should be accepted for value.
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have been approved into the Service member Civil Relief Act program in XX/XX/2017. Since the time of my approval has not updated my account to reflect my new percentage rate or adjust how much I owe. They also have not been reporting to the credit bureaus properly. I have called them several times and each time they have said that they were going to correct it and get back to me ; but they have not.
|
| 06/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
GM Financial Account # 's XXXX and XXXX These accounts should not be reporting any late payments. I have always made my payments on time. The vehicle was turned into the dealer and the loan as paid off late but was the dealerships fault. Letter from the dealership is attached.
I should not be penalized and this is preventing me from getting the credit I deserve. Remove the late payments right away!
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
This account was an auto loan. It was closed and charged off in XXXX. In XXXX, GM financial reported to XXXX that the account was current by reporting a current payment which was fraudulent. GM financial reported this to keep my account in negative standing with the credit bureau. Despite several letters to GM financial explaining their fraudulent practices, there has been no movement in this matter.
|
| 09/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a 2011 XXXX XXXX. GM Financial financed the purchase. I elected to purchase GAP Insurance ( was not required ). The amount of the installment contract was {$440.00} a month - {$460.00} with the optional GAP Coverage. I have since cancelled the GAP Insurance - but GM Financial continues to bill me the {$460.00}. If the {$19.00} a month is n't going toward the insurance - where is it going?
|
| 10/31/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
For the XXXX 2015 payment, I sent a check to GM Financial. Twenty-four days latter the check still was not cashed. I put a stop payment on it with my bank which cost XXXX dollars.
I then sent out another check to GM Financial. The account is current and five months have passed. After five months, I still see this as outstanding on my credit reports. Like its some type of retaliation by GF Financial.
|
| 06/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I presented a coupon to GM Financial in XX/XX/2022 to fulfill the full purchase on my XXXX XXXX via certified mail. Not only did they never send the coupon back they even lost it or never redeemed it. So not only did they do that but they just kept charging me normally. Then out of the blue this week with no notification or anything they collected my vehicle and want {$2900.00} to reinstate my loan.
|
| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are credit inquiries that I did not authorize on my credit report. I have informed the credit bureaus if this that these were not authorized, but XXXX continues to refuse to remove these inquiries. The inquiries that I did not authorize are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GM FINANCIAL XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX
|
| 07/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account is reported as being paid on time in XXXX of 2013 yet 90 days past due between XXXX - XXXX of 2013 ... which is incorrect. This vehicle was traded in and paid off in XXXX of 2013. Please correct this or remove it from my report.
I have sent letters to GM Financial requesting an accounting of all payment up until the loan was paid off in XXXX of 2013 and have NEVER received a response.
|
| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
gm financial in 2017 I needed assistance with my payments and asked for a deferment for XXXX and XXXX of 2017 this was suppose to be put to the back of my loan, and not reported late, last year I paid off the car, in a attempt, to purchase a home, I was denied because off the XXXX late payments in 2017, my credit XXXX XXXX I serious deliqlenquency when I XXXX 's day report it showed on GM FINANCIAL
|
| 05/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
applied for a vehicle, and for some reason they seem to do more then what they told me. I have so many inquires on my report that it is ridiculous. I am trying to reestablish, my credit and they are not making it any better, I was mislead by these car dealers, They told me it will be a soft pull on a couple and it ended up being. this all started on XX/XX/2019 to XX/XX/2019 will not do this again.
|
| 10/30/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
GM financial sends me a paper statement that is {$160.00} short of my actual account balance. Online they show the correct balance. I have been trying to correct this for four months. I have called them I have been told is taken care of and they understand the problem yet I keep getting these fraudulent statements. I know they 're going to XXXX me at the end of the lease and I want this corrected.
|
| 08/26/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had an auto payment plan set up for my lease payment though GM financial. They reported I never paid my lease payment for XX/XX/2018. I have since confirmed on XX/XX/18 that XXXX dollars was withdrawn from my checking account for the lease payment. I open a complaint with GM in regards to the matter and they said they would dispute the late payment. The late payment still reflects on my credit.
|
| 05/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXXXXXXThis item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
|
| 06/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I chatted with a rep from GM who is the lien holder of my car. I asked if they could tell me if the car had any repairs done to it by the dealership ( XXXX XXXX LA. ) before I purchased it on XXXX/XXXX/15. I was told that she could not give me that info.I have a right to that info. I purchased this car with transmission issues and other issues that was not diclosed to me at the time of purchase.
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A company by the name of GM Financial has allowed someone to use my personal information to open a auto loan close to the amount of {$49000.00}. I didnt give anyone permission to use my personal information. This is fraudulent. I was never contacted by GM financial before opening a loan in my name and I have a credit alert on my credit reports to be contacted before opening anything in my name.
|
| 03/31/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
GM Financial is reporting a fraudulent account in my credit file with XXXX and XXXX. This debt/ account doesnt belong to me. I have contacted GM Financial several time regarding this matter and the response are not aware of the account. I have provided this company a copy of my credit report showing this account but they have not resolved this matter and deleted the account from my credit file
|
| 06/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I financed a XXXX XXXX XXXX with GM financial in XX/XX/XXXX. I needed a friend to come and co-sign for me. She came to help but we were not informed that she was signing as the primary buyer. We both signed on electronic devices not on paper and could not see the exactly what we were signing. I am the one driving the car and making the payments not her so why is she primary on her he contract.
|
| 09/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
GM Financial is keeping {$860.00} of my money, which the dealer sent to them in error, even though I paid the loan in full and they've sent me the letter saying so. They have approved the payment on XXXX XX/XX/2018 however failed to generate my check. They are using my money since XX/XX/2018.. They keep telling me that the check will be mailed ... Almost 2 months, no check ... I need help!!!!!
|
| 12/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Credit bureaus still report an old account that the first negative markings are far older than 7 years. Per the fair credit reporting act the account, XXXX and all negative reports associated with the XXXX were to be removed by the 7 year mark from the date first reported for the negative remark. Rather than removing the XXXX as required by law, the bureaus just update remarks on the report.
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XX/XX/XXXX of XXXX, I brought to the credit report agencies attention that my information was being improperly reported by several closed accounts or unwarranted accounts and several inquiries. A violation of several XXXX laws as well as the IRS 's authority through the form XXXX. This report will play as added evidence for future arbitrary and punitive damages caused by these violations.
|
| 05/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have an automatic recurring payment set up with the company. Since the beginning of 2018 when they changed their system the additional money I pay each month does not go toward paying down the balance on the loan. Instead they apply it towards the next months payment. Each month I call to have them apply the excess payment to the balance of the loan and not towards the next months payment.
|
| 11/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
i had a car finance with ( GM FNANCIAL XXXX, TX ) acct open XX/XX/XXXX closed XX/XX/XXXX PAID OFF, record show I was late making payment 12 time. I was never late making payment, i had auto draft were the payment came out ever month. ( {$390.00} ) These are the month that my credit report show late payments XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX,
|
| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have sent multiple letters and had several phone calls with various agents regarding this issue. The company has ignored all factual information provided and demands.
I have filed two separate disputes with credit agencies-regarding inaccurate reporting to credit agency. Results from disputes filed show additional inaccuracies. first dispute filed XX/XX/22 second dispute filed XX/XX/22
|
| 09/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The GM financial account is being falsely reported in an attempt to re-age the account.
Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting.
They are reporting the last payment date as XX/XX/XXXX but charge off/DOFD date as XX/XX/XXXX.
This should have been noticed if there was really an investigation into my complaints.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have tried several times to get XXXX to remove the incorrect information that is in my account. I am currently in the process of getting a mortgage and this information is still coming up and causing a problem during my attempt to close. I have provided up to 4 different letters to XXXX over the last 180 days and yet they remain the only group to not update and correct the information.
|
| 04/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I sent a complaint about a {$35.00} charge of my invoice. The response from the company was that it was an error and had been corrected. Today I received a statement still trying to to collect this amount. GM needs to get their billing system fixed, you never have any idea what you owe and they NEVER reply to any email sent inquiring. It's a disgrace and it's fraudulent and needs to stop.
|
| 08/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX- {$51000.00} UNDER THE FCRB 605B THESE ITEMS WERE TO BE DELETED AND BLOCKED. THE NECESSARY DOCUMENTATION WAS PROVIDED TO XXXX UNDER THE FEDERAL GUIDELINES AND THEY REFUSED TO DELETE AND BLOCK THE THE MENTIONED ABOVE ITEMS. WHICH UNDER FEDERAL LAW MAKES XXXX SUBJECT TO ARBITRATION UNLESS OTHERWISE DELETED AND BLOCKED
|
| 02/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
GM financial has failed to update my positive payment history since XX/XX/2017. I contacted GM three times about the issue. I was told they would update my credit reports. After no update, I was told I have to dispute the issue with my credit beuraus and it will take 30-45 days to see the matter resolved. This is their job to report. I made the payments on time for the last three months.
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my XXXX XXXX and my ability to acquire credit. I need these false items removed from my credit report as soon a possible.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
On XX/XX/XXXX I paid off a volunteered reposed car of over {$16000.00} with the GM Financial on a XXXX XXXX XXXX they would remove the charge off listed on my credit report. As of XX/XX/XXXX it has not changed. I contacted them in mid XXXX and asked for a correction with no change. When I couldnt afford the car I had them repossessed voluntarily I need a correction on my credit report.
|
| 05/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
GM failed to provide me with a payoff letter. I confirmed the email address for it to be sent to, and also called again later to provide a fax number. Nothing has been received over XXXX hours later. It took in excess of XXXX minutes on the telephone. They are continuing to charge finance fees and will be assessing a late fee due to their failure to provide the requested payoff letter.
|
| 12/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
GM Financial has me in the highest interest rate car loan imaginable.
I know my credit was n't the best when I got the car, but I feel that it is unfair Because I can not refinance my car because of its value and depreciation is less than what I owe GM Financial. A {$15000.00} car is gon na cost me almost {$30000.00} when I 'm done. Not to mention they would n't give me XXXX coverage.
|
| 05/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I never had an account with General Motors. I sent a direct dispute asking them to provide me with documentation that I had an account with them, but they failed to provide me with any paperwork. They just sent a one-page letter stating that my account is reporting correctly to the XXXX, XXXX, XXXX agencies. I know it 's not reporting correctly because I never had an account with them.
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
GM Financial has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct GM Financial to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.
|
| 03/08/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
GM Financial shut off my auto-pay that was in place after 3 years of payments being made that way. They did not let me know they were doing this and I only found out after I received a past due notification email. I immediately called and made the payment but they put it on my credit report already. I asked them if they could remove it and they stated they have no control over that.
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Company reporting currently late on an account that was charged off in 2016 lowering my score 30 points per XXXX, they recently change the status on XXXX to currently reporting Charge off monthly, not exactly sure if the balance showing is accurate never received notice of a surplus/deficit if vehicle was sold or when it was sold. Reporting 2 different closing dates between CRA 's.
|
| 10/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
GM financial has REFUSED to VALIDATE the repossession. Please see attached CERTIFIED letters.
It's been over 90 days.
This repossession was illegal therefore this should be removed from my credit report.
They 1. Ignored me for 60 days.
Then 2. Sent me the LOAN DOCUMENTS.
I asked for the STATE AND FEDERAL NOTIFICATION LETTERS needed in order to LEGALLY repossession vehicle.
|
| 06/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Called and asked for a payment extension to help bring my account current. Made Payment for XX/XX/2022. The extension was processed yet they reported my account as past due for XX/XX/2022 when I made the amount required to process the extension. No payment should have been required to be made until XX/XX/2022. My payment is {$690.00}. I paid {$690.00} in XXXX and {$720.00} in XXXX
|
| 04/30/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
GM Financial Account number XXXX Is not possible for a original creditor to report a balance on a account that have charged off because by definition of GAAP [ General Accepted Accounting Procedure ] This Debt was be writing off to uncollectible and the Company Profit & Lost Statement of the financial reports Also they cant make a past due balance on a charge off a account either
|
| 01/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Today XX/XX/2023 i received a call from Gm Financial at XXXX. spoke with a representative and advised that i was in a public places and couldn't talk. Then at XXXX XXXX I received an email stating they were having difficulty reaching me. This has happened more than once and should be documented in their records. This is considered double contact in the same day and harassment.
|
| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX said I had to dispute this with the police department, as I have had my identity stolen in the past.
Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ).
Here are more hard inquiries that I did not authorize : XXXX XXXX AmeriCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
i am responding to an negative item on my credit report that they have charged off, so i'm asking them to validated my signature to this letter to get this item showing is in good standing. i sent the letter out on XX/XX/2018 and they have 30 days to respond before they have violated the law and now they are calling and harassing me within the last XXXX day about this account.
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I turned in my lease a year ago.
this is still showing as active on my credit report. I am trying to purchase a house and this debt is inhibiting me from being able to purchase I called to make sure that I was closed out. They confirmed i was closed with a {$0.00} balance. It is showing on my credit report as still open at all 3 bureau and that I have a balance of {$23.00}.
|
| 08/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American, Servicemember |
|
Told me I had a simple loan qnd it was charging me 7.47 percent a day on this loan but when I got the loan it was 20 percent.every month they take XXXX dollars out of the XXXX I pay on the loan .so the loan isn't going down it goes right pack up every month.i paid over XXXX dollars on this loan .they have only taken XXXX dollars of the balance. This company is GENERAL MOTORS
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
|
| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
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XXXX XXXX IS REPORTING THAT I HAVE CAR LOAN WITH THM. NEER SIGNED FOR A CAR LOAN WITH THEM. {$26000.00} THIS NEEDS TO BE REMOVED IMMEDIATELY.
XXXX XXXXXXXX HAS ALSO PLACED ME IN COLLECTIONS NEVER HAD INSURANCE WITH THEM. {$240.00} XXXX IS REPORTING {$320.00} AS A COLLECTION ACCOUNT AND HAVE NEVER HAD XXXX. MY ADDRESS IS LISTED ON MY ACCOUNT AND DL IS THE CURRENT ADDRESS,
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| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX.
I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
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| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Gm Financial and XXXX XXXX are reporting on late payments made in 2020 without any consideration for Covid or the pandemic. I have requested that this information be updated to show pandemic or something but they are blaming the CFPB and saying that they aren't required to.
The picked and choose which months qualified but the entire year after XXXX was under a pandemic.
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| 02/19/2017 |
Yes |
- Consumer Loan
- Vehicle lease
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- Managing the loan or lease
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Web |
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GM financial continues to threaten to repossess the vehicle although it paid timely and insurance is properly maintained. I have continued to submit proof to GM financial however, I do receive these letters weekly. I would like GM financial to cease these letters and the harassment. If at all possible, I would like to see they are fined for unfair and deceptive practices.
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| 02/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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I have a loan with GM FNANCIAL with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 60 days late payments on my credit report for the month of XX/XX/2019 up to XX/XX/2019. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
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| 02/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I have never been late on my closed account with gm financial, I have a late payment showing for the month of XX/XX/2017, I have disputed this numerous times with gm financial and the credit reporting agencies directly, this is my final attempt before I pursue legal action against gm financial. I have never been late with this account and I have documents to prove such.
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| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I traded in My XXXX XXXX XXXX and it was paid off. Currently of my XXXX credit Report it is showing the Balance of {$12000.00} and the last date reported is XX/XX/XXXX. Also it is currently showing past due and I have not made a payment since XXXX which is incorrect. I never missed a payment and it was paid in full on XX/XX/XXXX. Please see attach letter
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| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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XX/XX/XXXX my father passed away. I asked GM Finacial for a brief extension or payment deferment due to death of an immediate family member. I made up the deferred payment XX/XX/XXXX. But according to my credit report it was listed as a missed payment that month. And on my transunion it says I missed a payment again in XX/XX/XXXX when that lease matured in XX/XX/XXXX.
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| 07/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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GM Financial wrote the debt off as a loss and they charged the account off. They failed to accurately report the balance owed to the credit bureaus which should be {$0.00}. I have reported this and disputed this a number of times to no avail. They acquired services from a law firm to procure the amount in full however they have already written the debt off as a loss.
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| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My ex wife had a vehicle that was her responsibility during the divorce decree and she let the vehicle get repossessed and then made it part of her bankruptcy. This was never my responsibility and I'm not on the loan but it is still being reported on my credit report. i have attempted to get it removed from the credit bureaus but haven't had any success. Please help
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| 06/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have disputed 10 hard stops on my credit report from XXXX in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.
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| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Ive began to look into a house in did a Cerdit review in notice the there has been some fraudulent account in activity on my reports my company where I was employed at the time, was also a victim of a data breach with in that year for the one off the accounts Ive stated in my complaint in this were i believe my information was stolen and misuse due to a data breach
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| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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In accordance with " The Fair Credit Reporting Act XXXX '', Americredit Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I have been fighting with Gm Financial for some time now and nothing is getting resolve. They are reporting a late payment on my credit from XX/XX/2020. I have never been late on the loan and have been telling them this for months. This is affecting my credit score this is unfair and not right. How long do I have to fight to get this adjusted that i was never late?
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| 07/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Vehicle was deemed a total loss after hurricane harvey and gap insurance paid remaining balance but it was reported as a repo and my credit score dropped XXXX points ... .the balance was paid in XXXX {$220.00} and it is still not been removed. This was a natural disaster area and they put my payment history as late ... as a result my interest rates have skyricketd
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| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I filled out a car loan app at XXXX XXXX, they keep saying they have not received a response from GM Financial but I keep getting multiple inquiries on my credit profile. This is not fair inquiries account for 10 % of credit and having a lot of them is a reason for denial while trying to get a loan. They are hurting me financially and Im a mother of XXXX children.
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| 06/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/2021, A Affidavit Of Truth was sent to this company by USPS Certified Mail, tracking number : XXXX. Detailed was notification to this company on the violations they have committed under the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) a Affidavit Of Truth with sworn statements under penalty of perjury to confirm all statements as facts.
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| 08/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. GM financial is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.
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| 05/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. GM Financial XX/XX/18 XXXX XXXX XX/XX/18 XXXX Bank XX/XX/18 XXXX XXXX XXXX XX/XX/18 Please have these inquiries removed as they were not authorized. Dealer provided a letter stated these inquiries were made inadvertently and they should be removed.
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| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have a court order that states the debt belongs to someone else. The court order was submitted to XXXX, XXXX and XXXX and to GM Financial around XX/XX/XXXX or XX/XX/XXXX detailing the court order, and who the debt belongs to. XXXX, XXXX, XXXX and GM Financial submitted a response stating they will not remove debt from credit despite submitting legal documents.
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| 02/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2019, I was in a car accident. I reported the accident to my insurance Co and the finance company XXXX.. My car was totaled and covered by gap insurance and XXXX XXXX XXXX XXXX is reporting this account as a charge off with a balance due and reporting as late payment and it wasn't late. Please update and remove. This is reporting on all 3 Credit Bureau.
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| 02/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and XXXX have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.
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| 06/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
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I reported a problem to gm fraud and XXXX XXXX attempted to cover up For the dealership which is not in accordance with Missouri state law or accessing credit report. They write me on XXXX saying someone would contact me but has not yet. Gm is committing anti trust by not offering my llc .. XXXX XXXX the same loans it offers XXXX business owners in my area.
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| 09/07/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This debt is impacting me negatively in a huge way. This debt does not belong to me and according to FCRA 15 USC 1681 I am owed an accurate credit report. This creditor has not proved the debt belongs, and the company didnt send me an original contract with my name and signature on it. Please remove this from my credit report and stop all selling of this debt
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| 11/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I mailed a notice of rescission and right to cancel transaction to GM Financial and XXXX XXXX XXXX. XXXX XXXX XXXX required a cash down payment as a condition of loan approval in a financed/credit transaction. I revoked power of attorney, rescinded my signature in the transaction and revoked XXXX XXXX XXXX and GM Financial 's security interest in the vehicle.
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| 08/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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In divorce settlement the ex took the car and signed me up as co-owner and than didnt pay. Car was repossessed and now thats on my credit report when i dont have nothing to do with car Credit agency saying lease company is throwing it on me as well because name was on lease.
But i sent them all documents of divorce and still nothing. Now i cant even dispute
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| 10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late for the month of XXXX and XX/XX/XXXX, and XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
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| 07/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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|
Web |
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Note : Account was completely satisfied with Creditor. See notes below : GM FINANCIAL : Account # XXXX Account Type : Auto Loan Date Opened : XX/XX/2013 Account Status : Closed Payment Status : Charge-off Balance {$5900.00} -Account settled for {$1500.00} Original Balance : {$33000.00} Past Due Amount - $ XXXX Account Settled for {$1500.00} Terms : 77 Months
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| 05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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GM Financial has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.
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| 10/24/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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|
Web |
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I had my payments set up to automatically come out of my checking account for my lease through GM Financial. After the lease was paid off and the account was closed the continued to take payments out of my account. When I called to inquire about it they were extremely rude to me and refused to tell me when I would get my money back and then hung up on me.
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| 08/02/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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|
Web |
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I want to pay my truck payment on line to GM financial. Their website never works. You spend so much time tying to make a payment and their website keeps sending bogus security questions that I never set up. You call customer service and they ca n't help you either. So, for {$10.00} they will assist you over the phone to make a payment. This is a rip off!
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| 10/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Deficiency balance after repossession
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|
Web |
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On XX/XX/XXXX and XX/XX/XXXX I requested a deficiency notice letter advising how the sales of the repossession proceeds of the XXXX XXXX XXXX I financed through GM Financial were applied to my debt. GM Financial failed to send the letter or advise me any information regarding the final sale of the vehicle but they updated my credit bureau with a balance.
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| 06/08/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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|
Web |
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I had a lease with Gm Financial and I was 5 payments late which actually ended the lease they charged the vehicle off stating that I owed XXXX that is the total value of the car and exceeded the XXXX dollars that I may owe and that should be realized when thay send me my final bill. How could they charge the vehicle off and have possesion of the vehicle.
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| 08/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I disputed the 30 day delinquency through XXXX & XXXX for XX/XX/2015 & XX/XX/2015 regarding my GM Financial account XX/XX/XXXX and never received a response regarding my dispute. I have contacted GM Financial and the XXXX, XXXX and have advised them GM is out of compliance responding to my dispute and this must be removed and still nothing has been done.
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| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
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| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMERICREDIT XXXX, Inquiry : XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
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| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
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I have disputed with all three credit bureaus with regard to GM financial which is an account over 7 years old yet still being reported. With the las dispute they actually reported a date of XX/XX/2021. This is not in accordance with the fair use credit reporting act reference 609. I would like this account removed in accordance to the 7 year statute.
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| 03/27/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
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I call GM about helping me out with my Lease payment, since I lost 66 % of my income and they said that the only persons they are helping are those customers that have finance their car and not the people who have a Lease them. I think that's unfair since both have to make car payments. I feel GM talks lot and dose very little to help all customers.
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| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX - Americredit XX/XX/2020 - Americredit XXXX XX/XX/2020 - XXXX XX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Those items are identity thefts and do not belong to me. I do not recognize them and never had those accounts. My info was most likely compromised. I want XXXX to remove them immediately as they are hurting my credit score. They are not contributing with sending proofs of signatures, and will get an attorney to further proceed if they do not do so.
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